First you would alert your insurer with the details on the loss or damage. The insurer would then appoint an independent surveyor to assess the claim and may invite the vessel operator or carrier to participate in the survey. If it’s found to be a valid claim, the insurer would reimburse you for the value of the cargo plus the cost of freight shipping. Typically, after the claim is paid the insurer will seek compensation from the vessel operator or carrier (subrogation) for damage resulting from its negligence. But any legal wrangling that may occur during the subrogation process happens after you are paid.