It is very hard when you lose a plane, Seems to be more so when an
instructor is flying it... But it's a hard call to make an unpaid helping
instructor replace the plane IMO... As we all know, " Sh_t happens"
to the best of us.. And I would think these occurrence are at a
minimum.. That said...
Most will help in repair and some will help or replace the lost... But
really IMO It's just part of the Hobby....