Kathy:
The one thing we haven't mentioned here is that those build cards often do show notations about 'claims' being made, especially in relation to the costs of the repairs. I suspect those references are in respect of insurance claims that had to do with the shipping, or claims against the various railroad carriers which were used. I'm not sure that OT totally suffered in the outcome. They did seem to take care of the customer's needs first, then sort out who was going to bear the restoration costs later - OT or the carrier. So, if OT sold the repaired canoe at a discount to a second buyer, it may have recouped part of the loss by way of reimbursement from insurer or carrier.
I think you are right in that they did a lot to keep the 'little' customer happy in the first instance, and then sorted out between the 'bigger' companies who was going to 'pony up' for the damage. I have noticed one or two cards where OT simply decided not to file a claim, bore the loss itself, repaired the canoe, resold at a discount, and simply went on with business.
(If you'll pardon a little personal story .....)
Kind of reminds me of my grandfather, and the way he was reputed to have done business back in the 'dirty '30's'. He was a small businessman in a small town. Had a lot of clients who couldn't pay their accounts. So, he often took IOU's, etc. Halfway through the depression, my Dad joined him in the family business when he couldn't afford to stay at university. One New Year's Day, they were both at the office trying to catch up, working to figure out their finances. Grandfather turned to my Dad, told him to follow him down to the basement. Grandfather was carrying a shoebox filled with promissory notes, unpaid accounts, IOU's, etc. Told my Dad to open the furnace door. My Dad about near fainted when Grandfather threw the box into the fire. My Dad said: "how are we going to know who owes us?" Grandfather just shrugged and said: "we'll never know; what's more, we're never going to ask. Those folks have no money anyway, and if they did, they need it more than we do. We are surviving; most of them are barely holding on."
My grandfather didn't die a wealthy man, but he had thousands of friends and was one of the most respected business people in the area. He believed in service to his clients. That was business way back then. We could probably use a little more of it today.