Would it be fair to say that The Cruise Line didn't have free and clear title to the vessel?
That they were making some sort of payments on it to other entities?

Perhaps they should claim that Neptune's Spear came out of the depths, ripping the gossimer hull, and therefore this was an act of gods.
(Or Posiedon's trident . . .)
(Or Thunder's (Thor's) earthquake moving the sea floor around)