When your business suffers an unexpected interruption—whether due to a natural disaster, utility outage, or supply chain breakdown—business interruption insurance is supposed to be your financial lifeline. But what happens when your insurance company denies your claim, delays payment, or undervalues your losses?
At McLaurin Law, we’ve helped countless Texas business owners navigate the complexities of business interruption insurance disputes. These claims aren’t always straightforward—they involve detailed policy language, precise financial calculations, and a deep understanding of what your coverage actually includes.
Why Involve a Lawyer Early?
Business interruption coverage varies widely. Some policies cover supply chain interruptions or power outages, while others don’t. Some may include coverage for roadblocks or other access issues. The earlier you speak with a lawyer—ideally when you're choosing your policy—the better protected you'll be. And if you’re already in a dispute, getting legal help early can prevent costly mistakes.
Proving Your Losses Isn’t Simple
One of the biggest challenges in these claims is proving the financial impact of the interruption. At McLaurin Law, we bring a unique skillset to the table—our team includes professionals with strong economic and financial backgrounds. In fact, before becoming a lawyer, I worked as an economist. This lets us analyze your business’s financial data in ways many firms simply can’t.
When necessary, we also work closely with forensic accountants to create detailed damage models that will hold up in court. If your business interruption claim is headed for trial, you want a legal team that understands the numbers as well as the law.
FAQs
Q: What types of events are covered under business interruption insurance?
A: Coverage varies but may include utility outages, road closures, supply chain issues, and property damage-related shutdowns.
Q: Do I need a forensic accountant to prove my claim?
A: In many cases, yes—especially if your case goes to trial. Our firm works closely with experts to support your claim.
Q: What if I haven’t filed yet?
A: Contact us before you file. We can help you present the strongest claim possible from day one.
