The Aviation Insurance Landscape

ByHank Gibson June 1, 2022June 16, 2022

This is a re-post from Assured Partners Aerospace’s 2nd quarter Newsletter. The full newsletter can be found on Assured Partners website.

Until the war in Ukraine, the aviation insurance market could be described as “stabilizing” after a couple years of volatility with higher premiums and tighter underwriting. However, and hopefully perhaps only for the short-term, the Ukrainian war immediately brought uncertainty back into the worldwide aviation insurance market.

According to Business Insurance, “the impact of Russia’s invasion of Ukraine represents the biggest potential loss to the aviation war market since 9/11.” One leasing firm alone has reportedly already filed a claim of approximately $3.5B for aircraft and engines they say have effectively been seized by Russia. And, because the aviation insurance arena is so small, what happens around the world at this magnitude can have cascading, detrimental effects on the US aviation insurance market.

In addition, the well-publicized spike in fuel prices could have another cooling effect on aviation operations. Generally, less air activity combined with higher operating costs equates to more frequent requests for reduced coverage, taking premium dollars away from an already-small market.

Aviation insurance buyers should therefore remain on the alert throughout 2022 for potentially quick changes to the aviation insurance marketplace that might affect either their current insurance program or their next renewal.

See our recommended insurance agencies on our Aircraft Acquisitions page.

The Importance of Transition Training
ByHank Gibson October 15, 2016October 19, 2016

In September, the FAASTeam at the San Antonio FSDO put a special emphasis on transition training (AOPA put out a free course last year covering general transition training topics). A lot of pilots don’t understand the need for transition training or what it even entails.

Transition training deals mainly with piston engine aircraft, regardless of whether the airplane is a single or twin. The FAA doesn’t have any special requirements for changing from one piston engine airplane to another, as long as the pilot has the appropriate endorsements (high performance, complex, high altitude, etc.) and is rated in that category and class.

Transition training is promoted mostly by insurance companies. An insurance company looks at a pilots experience when deciding to insure him or her in a new airplane. If the pilot has only flown Cherokees and Comanches and is now upgrading to a Malibu, then the insurance company is going to require some transition training with a knowledgable instructor.

What is transition training? It is when an appropriate rated pilot needs to learn how to fly a different airplane. These are referred to commonly as checkouts, but with more complicated airplanes, the training is actually very in depth.

Using the example above, Pilot A just sold his Comanche 260 and bought a 1987 Malibu. Pilot A says, “A Malibu is a complex, high performance, single engine piston, which is what I had in my Comanche. I can fly that, no problem.” In reality, a Malibu has a lot of differences.

First, there are more systems in a Malibu. You have pressurization, air conditioning, emergency oxygen, turbo charging, and possibly radar. Not to mention you are dealing with a Continental engine instead of a Lycoming. And, is it a factory TSIO 520 or a converted 550? 2, 3, or 4 blade prop? Glass panel or steam gauges? What kind of autopilot? Plus, it’s a much heavier airplane so it’s going to fly different, have different rotation and landing speeds and handle differently in stalls. What’s the sight picture supposed to be on final approach? What are the emergency procedures?

Overwhelmed yet?

An experienced, insurance approved instructor and training program is a necessity when getting into new airplanes. It makes for safe pilots and safer skies.

Texas Top Aviation offers Cirrus Transition Training as well as Bonanza Transition Training and Columbia/Corvalis Transition Training. We are working on an insurance approved Piper PA 46 piston transition course as well (Malibu and Mirage) and will have the course approved by the end of 2016. Contact us today to schedule your transition training.
The Flight Director as a Backup
ByHank Gibson September 3, 2014

I’ve noticed that a lot of general aviation pilots tend to ignore the flight director on the attitude indicator. A lot of pilots don’t even know what it’s there for or how to use it. Talk to any airline pilot, though, and he or she will tell you how important the flight director actually is.

In most high performance airplanes, the flight director comes on when the autopilot comes on. Essentially, the autopilot is following the flight director, which tells the autopilot where to go. The flight director can also be used with the autopilot off, when hand flying an approach, for example. By turning the flight director on, it will show you where you need to fly to stay on course and on glide slope.

The flight director is most often controlled by the autopilot controller. The same buttons you use to put the autopilot in heading mode also tells the flight director to follow the heading bug when the autopilot is off. When you move the heading bug (or change course on the GPS, depending on which mode you have selected), the flight director will show you when you need to turn and when you need to stop turning. It directs your flight attitude, hence the name.

I recently discovered it’s a great backup when you have some instruments on the fritz. I went on a long flight in a steam gauge Piper Malibu and the attitude indicator started reading erratically. While flying straight and level, it would randomly indicate that I was in a 10 degree bank to the right, swing back and show wings level, then show a 3 degree turn left. This went on for a while. We were in VMC conditions, so legality wasn’t a problem, but it was kind of disorienting.

After a little while of this, the autopilot started acting up. It would start oscillating the pitch up and down, making it seem like we were going through a moguls course in the air. I ended up turning the autopilot off and hand flying the airplane.

This led to a conundrum, since my attitude indicator was unreliable. I could definitely look outside, since it was VMC, seeing when I was level and when I wasn’t. That would create a higher workload for me, which on a long flight like I was on, would lead to an increase in fatigue. The solution? The flight director!

I turned the autopilot off, but I left the flight director up. It wasn’t referencing the bank angle that the attitude indicator was showing since the KFC 150 goes off of the turn coordinator. So, if I just followed the attitude indicator, I could just keep scanning the instruments and relieve a little bit of my workload.

It actually worked really well. By just following the flight director, I was able to stay on course and on altitude with only minor attitude adjustments whenever we hit turbulence.

So, if you’re attitude indicator and autopilot decide to stop working on you, then bring up the flight director, push the same buttons you would if you were using the autopilot, and it works as a great backup.
Flying Through Rain
ByHank Gibson October 14, 2020October 14, 2020

For the most part, flying through rain is a non-event. If the NexRad or Radar is showing light green or dark green, usually there aren’t that many bumps and your plane just gets a wash. Sometimes the visibility drops down a little bit making us IFR pilots have to transition to our instruments.

It get’s a little more exciting when the precipitation on your screen turns to yellow. This means there is a lot more precipitation echoes either in the clouds or coming out of the clouds, meaning harder rain. I usually tend to stay away from yellow unless it’s absolutely necessary to go through it.

I had a situation a few weeks ago where I deemed it necessary to fly through some yellow NexRad returns. I was flying a G1000 Columbia into Monroe, Louisiana, KMLU. The winds were mostly light, but slightly favoring runway 04, which was the runway in use. As I got closer, a decent size rain shower with mostly yellow returns was sitting over the final approach fix for runway 04 and slowly tracking to the northeast.

I didn’t particularly want to spend the entire approach getting beat on with rain, so I decided to fly the RNAV 14 approach at MLU and circle to land on runway 04. The rain hadn’t quite reached the airport yet, so I decided that circling to 04 should be no problem.

I started the RNAV 14 at the FLESH IAF. Since I was approaching from the west, I did not need to do the procedure turn, so I joined the Final Approach Course (FAC) after crossing FLESH.

In the meantime, that rain shower was inching closer to the FAC for the RNAV 14. I wasn’t concerned about my safety if I flew through some of it and I didn’t have passengers on board who would get nervous, so I elected to continue. I wasn’t seeing any lightning coming out of the clouds, so it appeared to only be moderate rain.

Just before I got to JIVEY, the FAF, I entered the clouds and the rain. About 20 seconds later, my altimeter and airspeed started bouncing around a lot. Now, based on all I’ve said so far, what would cause that, and what would you do?

(Jeopardy theme song playing while contestants ponder questions)

The answers? Due to the moderate precipitation, water had gotten into my static port and caused the unusual readings on my altimeter and airspeed indicators on the G1000.

I had experienced this before, so I knew what to do. I reached down and turned the static source from primary to alternate, which starts taking static pressure from inside the cabin in the Columbia. Instantly, everything went normal.

The other time I had experienced this was also in a Columbia, so I’m under the impression that the way the Columbia static ports are designed, they are a little bit more susceptible to water creeping into them than other airplanes.

Moral of the story? If your pitot/static instruments start jumping around, the first thing you do is turn your alternate static source on.
Santa Fe Fly In Canceled
ByHank Gibson August 26, 2020September 1, 2020

Sadly, Texas Top Aviation is having to cancel it’s 2020 Santa Fe Fly In due to COVID. New Mexico has continued to implement travel restrictions, making it difficult for Texas Top Aviation to complete the event.

Mark your calendars now, though, as Texas Top Aviation has scheduled is 2021 Fly In. We are returning to the Lajitas Golf Resort in the Big Bend area of Texas. The event will be March 24th-26th, 2021. Stay tuned for more information. We hope to see you there!
Simplified Instrument Approach Briefing
ByHank Gibson August 27, 2016September 12, 2016

In instrument flying, I am all about keeping things simple. There is a ton of detail that an instrument pilot can get bogged down in. When an instrument pilot gets bogged down, he gets distracted from flying the airplane. When he gets distracted from flying the airplane, dangerous circumstances can happen.

I like to keep things simple. When I first started instructing, I developed a very simple instrument approach briefing that captures everything that is necessary on an approach plate, but prevents getting bogged down in the details.

I call it the BBC instrument approach briefing. Here it is:

Brief

First things first. The first step of an instrument approach briefing is to brief the approach plate. There are a bunch of acronyms out there that instructors tell their students to memorize that only cause confusion instead of helping get the plate briefed. To keep it simple, just work your way across the plate and you’ll get all the information you need.

Start in the top left hand corner of the plate, with the approach course, then work your way right and down, as follows:
- Approach Course (or Nav frequency if flying a VOR/ILS/LOC)
- Runway information
- Notes (these are good to brief the night before as a lot are irrelevant to GA pilots
- Missed approach
- Frequencies
- Planview and MSA
- Profile View and Minimums
Simple enough, right?

Build

Now that you know what you are planning on doing, you can now take the second step in the instrument approach briefing and build the approach in your GPS. You know your approach type, you know your transition, and you know what your minimums are. Taking all that information, you can now build it in to your system.

Checklists

Once everything else is done, don’t forget the checklists. The descent and before landing checklists still need to be done as part of an approach. The best time to do these is before joining the approach so that you don’t have to worry about flying the approach and looking at a checklist at the same time. Even better, memorize the checklist and you don’t have to look at anything!

Most importantly, you want to be configured properly for the approach by the final approach fix. Gear, flaps set, power set, so all you have to worry about at that point is following the needles and trusting your instruments.
HondaJet Nears Production
ByHank Gibson October 28, 2014October 28, 2014

We have all been hearing about the HondaJet for quite a while now. It’s been in testing for a number of years, but it sounds like certification and deliveries will commence early in 2015. Honda says they expect FAA certification in the first part of 2015 and deliveries will commence soon thereafter.

For those of you in the San Antonio area, if you’d like to get a glimpse of the first production HondaJet, it will be at Landmark Aviation at KSAT on Wednesday, October 29th. Cutter Aviation is hosting the event, as they will handle the regional sales for Honda. No flights will be conducted, but folks are welcome to walk around the airplane, climb inside, and give it a good once over.

For those planning on attending, RSVP is required. Contact Lisa Harris at Cutter to RSVP either by phone (602-267-4054) or by email (lharris@cutteraviation.com). Drinks and snacks will be served. The event runs from 5:30pm-8:00pm.