I have heard stories of a vacuum line coming undone and then when Jeep goes into water, vacuum line just sucks as much water as possible into the engine. However, in real World, I would say most damage is caused by people who do not understand the word "Hydro-loc"....Water crossing are high risk and if you don't know what you should do, stay out of water.To answer a few questions the water was probably not deeper than 19 inches, I didn't stop to measure after it happened. A 2wd F-150 went through just before I did and had no issues. As far as the dealer, they are sticking with the "It's not our fault" line. Yes, I did take a trail rated vehicle through a reasonable puddle at a reasonable speed, it is my fault for using an off-road vehicle...forgive me...off-road! I went all the way to the general manager showing the video and even they said it should be covered. But water in the engine, no matter what...is apparently a user error. I called my insurance company and without a blink they said they'd take care of me. They asked me to hold onto the video because it seems like something they would go after Jeep for and get me my deductible back. It's only a $100 out of pocket engine so I can't complain too much. Thank god for insurance. JK owners...buy a snorkel...even for splashes. That is going to be my first purchase as soon as I get her back. Any ideas on the "best" snorkel kit?