What will the insurer pay if the insured ship has been stranded?

In the context of marine insurance, when a ship is stranded, the insurers are typically required to conduct a process called "sighting the bottom." This involves assessing the condition of the ship and the seabed it is resting on to determine whether any damage has occurred. It is a necessary step in the claims process because it allows for a full investigation into the circumstances surrounding the stranding and the potential need for repairs.

The act of sighting the bottom is part of the insurer’s obligation to evaluate the situation thoroughly before deciding on the next steps, such as whether repairs are needed or any other coverage that may apply. This means that the insurer will cover the costs associated with this evaluation, even if it turns out that no actual damage has been inflicted on the ship.

The other options—repairing damages, replacing the ship, or providing a tow service—are not standard obligations immediately upon the ship being stranded and might only apply under specific conditions or further assessments. The correct answer focuses on the procedural step required to assess any potential damages and is essential in determining the proper course of action following the stranding incident.