From an underwriting standpoint, the claims patterns support several trends already emerging in the market: tighter wordings and sub‑limits 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.