A designer of light aircraft was asked by an aircraft builder to design a single turbo prop aircraft, which was to be used for an air ambulance service between small islands off a coastal area. The aircraft was designed and then built by aircraft manufacturers. 

Underwriters instructed an aviation loss adjuster to investigate  and handle a claim arising from the loss to an aircraft. After  investigations, the loss adjuster concluded that the loss had  been caused by mechanical engine failure. 

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