This case involves a maritime insurance bad faith claim. An insured marina sued their insurer for damages allegedly caused by the mismanagement of their claim. The insurance company denied coverage for a claim regarding internal damages to one of the marina’s frequently used commercial vessels on the basis of an exclusion written in the contract. The marina was under the impression that the language in the exclusion still allowed for coverage in this case scenario and claimed they would have never signed a contract with the insurer had they know this type of claim would not be covered. According to the insurance company, the marina wrongly interpreted exclusions before signing the contract. An expert in insurance contracts and claim handling was sought to evaluate the situation and provide an opinion as to whether or not shortcomings in claim handling caused damage to the policyholder and whether the position taken by the insurance company was reasonable.