On the claims side, the plaintiffs state that they first notified Navigators of damage to three tugs on January 25, 2021, and to the fourth tug on July 28, 2022. They say Navigators acknowledged receipt of these notices but, as of March 4, 2025, had neither accepted nor rejected their claim for coverage, had not offered any substantive or written explanation of its coverage position, had not reimbursed any past repair costs, and had not paid any legal fees or related arbitration costs, nor committed to indemnify future repair costs.