Not to say that it would be causal, just coincident. Hull loss mishap happens, power loss is involved (for whatever reason), engine happens to be beyond TBO. My question is then, would an adjuster find the owner negligent in maintaining an airworthy powerplant in the event of a mishap, causality or not. But based on what you’ve taken the time to explain, I’m gathering that this isn’t an insurance “gotcha” so to speak.
Very helpful info; I’ve learned some things.