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= Know your MORE contract: Review your
enrollment tier. Does it include unscheduled
repairs like FOD? If not, plan to rely on insurance
for the heavy lifting.
= Check your policy: Confirm your hull insurance
covers FOD explicitly. Some policies carve out
exceptions. Align your deductible with your risk
tolerance. A $5,000 deductible might sting less
than a $25,000 deductible after a major hit. Also,
look for the betterment language or other similar
wording where used parts are the go-to solution.
= Act fast: After a FOD event, notify your insurer
and MORE coordinator immediately. Submit
detailed logs – standard with MORE – to
streamline the claim. Pictures with a borescope
are critical too.
= Mitigate risks: Inspect runways for debris, use
bird deterrents at home fields and double-check
preflight for loose items near the inlet. Prevention
beats any claim.
The bottom line
FOD to your PT6 isn’t a question of if, but when.
And when it happens, the interplay between the MORE
program and your insurance policy determines your
“The MORE program enforces strict documen-
tation and regular inspections, which can prove
invaluable when filing an insurance claim. If
your PT6 is well-maintained under MORE, it’s
harder for an insurer to pin the damage on
normal wear and tear, which can lead to a
denied claim.”
fate. The MORE program can soften the blow with
discounted repairs and bulletproof documentation while
insurance covers the lion’s share of an unscheduled
disaster. Together, they’re a powerful duo, but only if
you understand their limits and overlap.
For King Air operators, staying proactive – both in
maintenance and policy management – is the key to
keeping your wings in the air and your finances intact.
Next time you hear that PT6 spool up, you’ll know you’re
covered, no matter what the runway throws your way. KA
Kyle P. White, ATP & MEII, is an aviation insurance executive for a global
insurance brokerage company. As a former professional King Air captain
on BB-1118, he still enjoys flying his family’s J-model Bonanza and Piper
Cub. He can be reached at kpwhite816@gmail.com.
APRIL 2025 KING AIR MAGAZINE •
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