From an underwriting standpoint, the claims patterns support several trends already emerging in the market: tighter wordings and sublimits around cables and other high-severity components, including clearer treatment of defects, serial losses, and remedial works; greater use of warranties and conditions precedent relating to installation procedures, burial depth, protection systems, and inspection regimes; more granular rating that distinguishes by turbine class, site conditions, contractor experience, and supply chain robustness; and increased reliance on engineering referrals and independent technical review, especially for newer technologies such as floating foundations and higher-voltage export systems.
