So with it being this time of year for many of us who boat where substantial freezing occurs, we have some threads about antifreeze and such and one thread has given me some thought to check my policy. For recent years I have always used the Marina techs to winterize the main engines as they are raw water cooled , and as Rick stated it is really an insurance against a very expensive loss.

Well after saying all that I was surprised to read in our policy that to cover freeze damage , basically I would have to show that the engines were professionally winterized.....It does not define professional in this context but ......so what say you folk, anyone have any unfortunate experience with this.....is everyones policy this way?......