Aircraft hull insurance claim rejection
I'm working with an airline and wondering how to deal with a possible problem on hull insurance claim rejection if a pavement concession is not in place at the time of an accident, and I would appreciate the experience of others.
Background
Scheduled RPT operation, 150 seat single aisle jet, landing at a licensed airport. Aircraft weight/ACN meets published PCN, but tyre pressure at 1500 kPa is higher than the 1000 kPa published Y rating. No pavement concession was got despite trying hard (suspected due to language barrier, culture, or simply lack of folding stuff??). Airport flight schedule shows other airlines with same equipment are operating there.
Hypothetical problem
Crosswind landing, drop it onto one main gear leg, blow a tyre, brake/wheel fire, pull up and evacuate, fire service is slow to get there, wheel fire continues and eventually damages wing, etc. AOG. A large bill to pay.
Aircraft hull insurance claim
When the airline claims that on insurance, will the insurance company:
(a) ever check the aircraft weight and tyre pressures against the published PCN rating ?
(b) pay the claim, or
(c) will they refuse the claim on the grounds that the tyre pressure was higher than allowable for the runway and therefore they won’t pay (irrespective of whether that issue actually caused the problem)?
Cheers