Fearless Tower
Touchdown! Greaser!
For reference, my claim with Avemco was almost 10 years ago now.Im insured through avemco. I called them and eventually got an adjuster who said there’s no claim. I asked specifically "what if it was the governor that took out the rest of the engine?", and he said that would be considered wear &tear. This contradicts @Fearless Tower 's experience with them. He said I could file a claim if I thought it should be covered, but I decided to wait and see what the mechanics say.
In my case, it was a magneto that failed and a gear tooth broke off which then contaminated the engine with metal. Not sure if it makes a difference, but I didn't need an overhaul - just split the case, clean out and reassemble - I was told anything found during the inspection like wear and tear would not be covered.
When I called them, they went ahead and started the claim but said it would be up to the adjustor to determine if it would be covered, which it ultimately was, at least back then.