If your hot tub froze in Feb 2008 and you received a statement in Sept 2008 stating that your hot tub is now covered can you claim it in Oct 2008?

I would recommend asking, "My hot tub froze, am I covered for that?" And if the answer is yes, I would end it at that. If they ask when was it frozen, then it gets more difficult. You have to ask when the cut off and such was.