Many people either did not winterize the boats or did so improperly. If you had a friend winterize your boat and it froze, your friend won’t be replacing your engine for you. Having a reputable service company perform the winterization is a bit more expensive but comes with insurance.
If your boat were in the water and not properly winterized, you may have lost your boat completely. Then it will depend on the type and the company you had your boat insured with…You do have insurance, right?
