Heartbreak of the century

[sivs1]

This may be a dumb question but would boat insurance cover this?


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Think this depends on type of coverage. My policy specifically calls out freeze protection of which I know I am paying more to have. Someone living in the south would rarely need it or be concerned so doubt they would opt to pay for it.

[rdlangston13]

This may be a dumb question but would boat insurance cover this?


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No. Some insurance have an optional coverage that covers freeze damage is you had the boat professionally winterized but no one will cover freeze damage if you did not do anything to try and prevent it.


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[beat taco]

Any 6.2 donor would work and then parts can be swapped off the existing motor.

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[bergermaister]

This may be a dumb question but would boat insurance cover this?


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Negative - insurance companies will typically cite this as owner negligence. If it were improperly done by a shop that guarantees their work then the bill would be on them.

[crr1876]

Man this story makes me super nervous! I have winterized myself 3 times just draining the water from cab’s write up on here with no issues (no antifreeze). Usually in south Texas we just barely freeze a few times each winter but this year I got like 4 inches of snow and had a 4 day period of freezing temps with lows ~22. Luckily have already gone out this year and boat is running great.


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[zabooda]

The first real test is tough for all of us. Once you've gone through the worst case weather scenario without issues then you know the process works. Following the steps outlined on the forum will ensure a very high probability of success. Just draining the block and risers (4 plugs) is enough to protect the engine. The only variable is whether there is some blockage restricting the water from completely draining. If you didn't skip steps, you should be fine.

[98outback]

I had boatus with freeze coverage. Years back when it was below freezing here in north Florida for a couple days straight i think my cylinder cracked. All I know is when I took it to dealer they told insurance they thought it was freeze damage and they covered it. I did winterize it though. They covered it no problems.

[DOCDRS]

And some guys jump all over me for calling guys out when they write anything other than a proper way to winterize your motor.......it only takes 30 minutes or less to do it right.

Sorry to hear your buddies loss

[cpropes2005]

I thought the raptor motors all had closed cooling so antifreeze in the block? On mine I drain the exhaust risers, heat exchanger, water pump and v drive but I don’t drain the block because it should be antifreeze.

[Stazi]

I thought the raptor motors all had closed cooling so antifreeze in the block? On mine I drain the exhaust risers, heat exchanger, water pump and v drive but I don’t drain the block because it should be antifreeze.

You are correct, they should have no water in the block. Only place water is introduced is in the exhaust risers.


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