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McLaurin Law helps entrepreneurs in Houston navigate business interruption policies, file claims, or appeal denials.
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Business Interruption Claim Attorney

Running a business comes with many risks. To minimize these risks, insurance can help. Coverage for business interruptions – whether due to natural calamities or property damages – enables your business to recover losses due to such events.

Unfortunately, filing a claim is not always a straightforward process. Most insurance companies deny a claim due to unclear policy limitations.

A denied business interruption claim should be the least of your worries, especially when your business still faces problems. Rather than deal with your insurance company alone, let a business interruption claim attorney from McLaurin Law thoroughly review your policy.

How McLaurin Law Can Help

The lead attorney at McLaurin Law previously worked as an insider for insurance companies. With industry knowledge and legal experience, our team can assist you to:

  • Carefully review business interruption insurance policies to ensure they protect you
  • Communicate with insurance providers to help you find the right insurance package
  • Come up with strategies after a denied business interruption claim
  • Provide litigation services if the claim needs to be litigated in court

When Is A Business Interruption Policy Necessary?

Commercial establishments that maintain an office space would find a business interruption policy necessary. Generally, business interruption insurance covers losses incurred during calamities that affect the structure of the office building. These include natural disasters like hurricanes, floods, and earthquakes. It may also include fires and property damage caused by accidents and violence.

It is important to note that a basic business interruption policy will only cover losses incurred from when the office is destroyed until the property is fixed and deemed usable.

To claim coverage, the insured business must prove that operations were interrupted due to property damage caused by calamities, fires, and other covered threats. And as a result of the interruption, the business incurred losses.

What to Do If Your Business Interruption Claim Was Denied

Many insurance providers are notorious for denying claims, even though the policy clearly covers the incident. If this happens to you, you should first consult a business interruption claim attorney.

An attorney can help you review the policy and determine if there are merits you can use to file a valid dispute. Appealing the denial is also an option. Litigating the denial could be possible, though this is merely a last resort. If you want a personal consultation and discuss strategies, give McLaurin Law a call today and consult with our Houston business interruption claim attorney.

Extended Policies and Coverage

While a basic business interruption policy only covers losses incurred in the event of property damage, some providers offer additional coverage. This coverage comes at a higher price, of course.

Extended business interruption packages provide more comprehensive coverage. Aside from covering business losses due to property damage from calamities, fires, and man-made threats. Comprehensive policies may cover losses due to logistical problems. So, if your business has incurred losses due to problems in the supply chain, then the insurance would cover it. Consult our Houston business interruption claim attorney to know what’s best for you.

Business Interruptions Due to Covid-19

Losses due to the pandemic have been a contentious issue as far as business interruption policies go. Many businesses have tried to claim for losses incurred from COVID-19 restrictions. However, insurance companies assert that the policy does not cover pandemic-induced losses.

Prevailing jurisprudence, however, agrees with insurance companies. The business interruption must be caused by “direct loss to property at premises,” which does not contemplate social restrictions due to a pandemic.

New policies may cover losses due to COVID-19, though. It’s best to check with your current provider or contact our team at McLaurin Law to get guidance.

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Frequestly Ask Questions

Should I Take What the Insurance Company Offers Me?

Typically, the answer to this is absolutely not. Insurance companies are looking out for their own best interests and will try to get you to settle for an offer that is far below what you deserve. At McLaurin Law, we can help you seek an appropriate settlement.

What's the Time Limit for Filing a Claim?

After an accident, you should typically file a claim with the insurance provider of the negligent party who is responsible for your accident. It is important that you move with haste in filing a personal injury claim with the insurance carrier after an injury has occurred. Should a lawsuit eventually become necessary, it is also important to keep in mind that in the state of Texas, you must file a personal injury lawsuit within two years of the date the injury occurred.

What Should I Do after an Injury?

Your number one priority should be your well-being. Seek out medical advice as soon as possible to ensure that you get the treatment you need. You should also move quickly to consult with an attorney to assist you with your personal injury claim. Critical events occur early in the personal injury claims process—such as interviews with adjusters and early damages assessments—so do not delay speaking with an attorney.

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Contact McLaurin Law, PLLC

Schedule a consultation with McLaurin Law, PLLC if you have an insurance issue, or if you have suffered an injury or property damage in Texas. We will review your personal injury case, assess your insurance claim or appeal, address your questions, and strategize paths to seek fair compensation. We aggressively pursue our clients’ interests, armed with an insider’s perspective on Texas insurance claims. Call our office or fill out our online form to get started.
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Whether you are recovering from a personal injury or attempting to recover compensation with an insurance coverage claim or appeal, our legal team will vigorously advocate on your behalf.
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