Let a Texas Lawyer Handle Your COVID-19 Business Interruption Claim
Attorney Dana G. Kirk Will Fight to Get You the Compensation You Deserve. Call 713-651-0050 Today.
If the Coronavirus (COVID-19) pandemic has forced you to close your business due to the government’s mandatory shutdown order, your losses may be covered under your property and casualty insurance. Let Kirk Law Firm help you get the compensation you’re entitled to.
Texas Attorney Dana G. Kirk has the knowledge and experience to handle every aspect of your insurance claim and can discuss your legal options if your claim has already been denied by the insurance company. Contact us today for a free analysis of your insurance rights.
In the event of a disaster, business interruption insurance can provide coverage to business owners who lose income as a result of that disaster. While your insurance policy almost certainly does not contain language specifically related to the Coronavirus (COVID-19) outbreak, it may outline coverage for losses that result from pandemics and government actions, such as a mandatory shutdown of your business.
Unfortunately, many businesses owners who have been impacted by the COVID-19 outbreak and mandatory shutdown order are having their business interruption claims denied by insurance companies, even if they’re entitled to compensation. You pay a lot of money for insurance. You shouldn’t have to fight with the insurance company to get what’s rightfully yours. Let our law firm help you.
Does My Business Interruption Insurance Cover the COVID-19 Pandemic?
Your business interruption insurance will cover lost income caused by the Coronavirus (COVID-19) pandemic if:
- Your business suffered damage caused by microscopic COVID-19 particles being present because of infected employees or customers coming to your premises. However, if you have a pandemic exclusion in your business interruption endorsement, your insurance company may try to limit or eliminate your coverage.
- The Coronavirus (COVID-19) pandemic caused damage to a customer’s property or to your business supplier or your supplier’s supplier. This coverage is called contingent business interruption. Some examples of this type of business interruption are hotels and restaurants around a sports facility which is closed, or businesses located in an airport or shopping center which was closed due to the Coronavirus (COVID-19) pandemic.
- There are government-ordered closures, such as federal, state or local government orders requiring the shutdown of your business and/or your supplier’s business. Examples of these covered circumstances are retail stores, restaurants, hotels, recreational facilities, spas, gyms or hair salons which were closed by government order.
In all cases, you must prove your quantifiable lost profits. Claims involving business interruption are often complex. Trying to deal with your insurance company can be overwhelming, especially during a pandemic. That’s why you should let our law firm help you navigate the whole process. Texas Attorney Dana G. Kirk will protect your rights and fight to get you every dollar you deserve.
Can You Still Get Coverage if Your Policy Has a Pandemic Exception?
If your business interruption policy has a pandemic exception, you may still be able to get coverage for lost income due to the COVID-19 outbreak. While many insurance companies began including language to exclude coverage for losses caused by a pandemic following the SARS outbreak in 2003, the government ordered shutdown of your business and the order for customers/suppliers to shelter in place are valid reasons for your lost income. This could mean you’re entitled to coverage, even if your business interruption policy contains a pandemic exception.
Get the Help You Need from an Experienced Texas Lawyer
Insurance companies are notorious for making lowball settlement offers or denying valid claims altogether, which is why you need someone in your corner to protect your rights and fight for what you deserve. Whether you own a restaurant, retail store, barbershop, salon, movie theatre, hotel, gym or spa, if you have been forced to close your business due to the COVID-19 pandemic, call us right away.
Texas Attorney Dana G. Kirk can listen to you, answer your questions, discuss your options, and help you figure out the best way to move forward. Now is the time to make your claim and get the compensation you deserve. Contact us today for a free analysis of your insurance rights.