Interestingly tonight there was on ACA one of the articals was about excess water in fuel coming from servos. I think from memory that it was something like 8% by volume which is WAY over whats permissable according to the A.S. for fuels. For that much to be in there by volume the suspension rate would have to be past the 90% mark. It wouldnt take too many refuels from a servo with that much water in the fuel to overcome the sedimentor and seperator in a truck let alone a rover and with the colder weather it would settle out into the bottom of the tank in very short order as well.
IMHO if the paper element of the filter isnt water saturated or water blocked theres no requirement to change the rest of the system and theres some dead simple tests that any decent filter shop should be able to do to work that one out. If theres any sign of water saturation on the outlet side of the filter then further investigation is required.
From my perspective as a Greaser you dont get to keep the parts that are changed under manufactureres warrenty and If I knew the manufacturer was going to foot the bill then Id change every single component in the fuel system (including the tank) except for the lines and then they'd get a bloody thorough flush out. An insurance job would depend on the insurer as to weather or not you got to keep them and if you were paying for it, any part thats safe to re-use you get to keep.
from a 2 minute google theres a couple of variences on how water in the fuel system is dealt with by third party warrenties. some will cover it if its water ingested from the fuel that can be traced back to a problem with the Emission control system of the vehicle but for the life of me I cant work out how you can prove that. Other than that water in the fuel is a problem for you, your insurer and the fuel companies.
Best of luck.



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