You are for an insurer policyholder of the insurer is a farmer who has submitted a claim in respect of the following losses caused by a lightning strike Total loss of a tractor that caught fire when it was struck by lightning Fire damage to crops grown to feed the farm animals The cost of hiring a replacement tractor The cost of purchasing replacement feed for the farm animals Due to administrative issues within the insurer , the agreed claim settlement was significantly delayed This resulted aditional tractor costs due to the excessively long period it took to settle the Consequently the has this additional hire cost.

Explain with justification , the legal doctrine applicable to the claim in respect of the damage caused by the tractor catching fire. Refer to one case in support of your explanation

Discuss the farmer's legal remedy for the delay in settling the claim . Refer to one statute in support of your discussion