Again, I thought I did, but of course we all comprehend things differently.
"Are you certain about that?"
Yes, I'm certain that I've seen DJI employees cite the manual to justify a decision (that I never said was theirs personally, though you implied that I did).
"Their forum people don't make any determinations regarding warranty claims even if they draw attention to parts of the manual."
I've already agreed with you on this, but will again if it helps.
"I've never seen flying over water used to deny a claim."
As I already agreed, they won't deny a claim just because someone flew over water, at least not if the evidence strongly supports a defect. However, if someone presses them with no strong evidence one way or the other, they'll remind the person that the manual says not to fly over water.
"But failing to retrieve the wreckage because the incident occurred over deep water is a very different reason for denying a claim."
No, they certainly don't deny warranty claims just because the aircraft wasn't recovered; that only applies to Care Refresh. But in the absence of evidence, they do sometimes fall back on failure to do what the manual says.
Better now?
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