War risks insurance covers damage or loss arising from warlike action, hostilities, terrorism, piracy, or related perils to insured property such as ships, cargo, and aircraft, in a Scottish context. A solicitor in this area reviews policy wordings, negotiates with insurers, and advises on coverage gaps, endorsements, and exclusions, including war risk clauses, salvage, and total loss provisions. They may assist in claim handling, gathering evidence, and pursuing or defending claims under complex or bespoke policies.
What a solicitor handles in these matters
The solicitor handles policy wordings, exclusions, and endorsements, including specific war-risk clauses, salvage rights, and total loss provisions. They review duty of disclosure, coordinate with surveyors, and negotiate settlements with insurers, brokers, and clients. When disputes arise, they prepare and lodge claims, respond to refusals, and, if needed, guide the pursuer through appraisal or expert determination under the policy.