I have a 2003 Volvo 8.1Gi in a Cobalt 262 and ran aground after some unexpected dredging changed our routine passage. Sucked in a large amount of sand that completely clogged the oil cooler. Engine subsequently seized after filling the cylinders with water. I pulled the engine and found water in the oil also as well as the water in the cylinders. Risers and manifolds are less than a year old and look good and shouldn't be to blame for the water ingestion. Heads and head gasket look ok. Insurance company has not made a determination on coverage because they "can't find a reason for the seizure that would coincide with running aground" "No melted wires or melted exhaust boots" tell them that it didn't get hot enough for the engine to seize. Impeller looks ok but only had 5 hours since replacement. Engine had about 300 hours. Also, no apparent steam cleaning of the exhaust which is common for these types of overheats. When I looked at the gauges the temperature gauge was buried at 250 and was the reason for me to shut down the engine. I don't see any bent rods and can't explain why it is seized. Has anyone seen this before and can offer any opinions or advise?