Recent events suggest dismissing sabotage as a likely cause would be foolish.

10:13 presents details involving sabotage throughout Europe as well as states choosing to not disclose to their public about the nature of what is happening to avoid spooking their citizens https://youtu.be/6KVnJqaBsnk?t=613&si=8lgB4A7x2fSmJC4N

NATO’s Admiral Rob Bauer discusses what he is at liberty to disclose to Arctic nations https://youtu.be/DjpALbzKdJM?si=b4uU2KZ18JlNW5wf

I’m willing to trust what he’s saying verses online discourse where individuals will never have the level of insight as someone in his position.

Yes but he's not a lawyer. We're not talking about military strategy. Sabotage is not necessarily an act of war. Sabotage can also be simple crime. Crime is not excluded from insurance payouts.

Think about the MV Dali that crashed into the bridge in Baltimore. Was that an act of war by Singapore against the United states? Six people actually died in that case.