Just a bit of add-on. Hull insurance does not include mechanical breakdown of the engine, there is specialist engine only cover available in the insurance market, the engine cowls are considered a part of the airframe. Hull insurance does, I think, cover FOD in an engine and in this case the engine cowl would, I think, be classified as FOD. Anyone in the current insurance market will know for sure. Any legal activity, possibly between underwriters, will take place behind the scenes and you are unlikely to ever hear of it.