Just a thought - are you guys spending time warming up before you hit the water??? Like not only stretching but try going for a 3-5min jog up the beach?
Have you been to have any treatment or xrays?
What about warming down after excercise?
One excercise that I do to help my lower back is lie on my back , pull my knees up to my chin in the fetal pos and see how hard and high I can get my butt off the ground. This really helps to stretch the lower vertibre out.
Or again lie on my back, pull one knee up and over to the other side of my bodyand use my opposite arm to pull my knee over till in touches the ground- then turn my back the opposite way and look up! this ones great
The reason I ask is that I have real trouble at times with my back and these are just a few things that I do regularly.

Hope this helps.