View Full Version : Boat US insurance question

05-03-2010, 07:00 AM
Well i had some bad luck this weekend. A couple weeks ago I changed all of my fluids in my supra. After changing the fluids I ran the boat on the hose and rechecked the oil and everything looked good. I took the boat to the lake house this weekend and I put the boat in the water and cranked it up and was idling around to let it warm up and recheck all fluids. When checking the oil I noticed water in the oil. I immediately idled back to the dock as to not cause anymore damage that was already done. I pulled the boat back out and drained the oil and ran it on the hose again and I was still getting water in the oil. I then drained the oil once more and put fresh oil in and left it at that and didnt crank it again. I just didnt want to leave the oil with the water in the engine. The boat only has appox 225 hrs on it. It is the 5.7 tbi assault engine. I have had no issues in the past with it. I hope it is not to serious but I did notice on my insurance that I have a Freeze State - Ice and Freezing Endorsment. Does this mean my insurance will cover it if it comes down to freeze damage? I did winterize my boat and have never had a problem in the past. My boat stays under a shelter that is covered on the sides and the rear and also has a cover on the boat. I have never had a problem in the past but we had a long freezing streak here in north florida this year. Im hoping it is just a gasket and not a major engine problem. I dropped my boat off at lake area watwersports in melrose florida but am going to call around to some other dealers today. How does everyone like watersports of central florida?

05-03-2010, 08:59 AM
I spoke with Boat US this morning and I do have the ice and freeze protection. Im glad they took care of me and put this on my policy. They said once the dealer determines what it is all they have to do is send me an estimate for repair with parts and labor break down and Boat US will authorize them to begin the work and I will just pay my 300.00 deductible.

05-03-2010, 09:47 AM
Sounds like a cracked head gasket by the water gasket. Its leaking into the oil. That would be my first place to look in the engine.

Good thing you got the protection though. You wouldn't think being in FL you would need that but turns out you do.

05-03-2010, 10:10 AM
Glad you were alert. You probably saved your engine. That endorsement was probably pretty cheap in FL but well worth it.

05-03-2010, 10:18 AM
I always like to let the boat idle and warm up and check the fluids every day that I use it. We are at out lake house usally every weekend so I check it sat morning and sunday morning. As soon as I noticed I put the boat back on the trailer so it never even had a load on it. On my policy it is only $4 extra so it is well worth having.

05-03-2010, 10:19 AM
I'll say. I really do commend you for being so alert though.