What are the usual types of damage which are recovered from insurers as particular average?

(1) Heavy weather damage; (2) grounding/stranding damage; (3) fire or explosion damage; (4) collision damage; and (5) contact damage (with fixed or floating objects).

What do you think?

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Where there is a fire in a cargo and it is extinguished by releasing the ship’s CO2, how would the loss be adjusted?

What is particular average?