Most insurance companies will only pay out on a hydrolocked engine IF the insurance agent is present when the oil pan is dropped. They take a sample of the water in the oil pan...then they send it to the lab. They test it for chlorine to make sure you didnt just hook a water hose up to your throttle bodies to blow your engine on purpose. I've heard some insurance companies will not pay out on a hydrolock claim if the agent gets there and the owner/mechanic already has the engine out or taken apart at all.