The freeze claims related with the winterization of your boats
Fresh water expands in volume by about nine percent when it freezes and can push outwards with a force of tens of thousands of pounds per square inch. That expansion can crack an engine block, damage fiberglass, split hoses, or destroy a refrigeration system overnight.
An analysis of ten years of freeze claims files found that more than three-quarters involved cracks in the engine block or the exhaust manifolds that occurred because water remained in the engine or cooling system during a hard freeze.
Those claims come from all over the country, not just from the states that get snow every year. In the temperate South, the claim files include many more claims where the boat wasn’t winterized at all, or where the boater was depending upon a heater to keep the engine from freezing and the electricity went out.