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Business Interruption Insurance Claims

If you’ve experienced an interruption to the operation of your business due to an event out of your control, we’re here to help.

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Your Experienced Business Interruption Claim Attorney

Business interruption can be crippling to any enterprise, and we know that it’s critical to your livelihood and that of your employees that you get the compensation you’re owed. Our business interruption claim attorneys will work closely with you throughout the entire process, using our knowledge and expertise to accurately present your loss of income claim and get the full compensation you deserve.

Not only are you entitled to coverage for any necessary repairs in the event of damage to your business, but you need to be paid for the revenue you lost as well. Don’t wait, call the Disaster Insurance Claims team today to get help with your case.

We're Here for You

We know how hard a business can be hit by an interruption of operation. That’s why our team is dedicated to fighting for what you’re owed.

Results That Matter

Our team is here to help you get the most out of your business interruption insurance claim. We focus on real results that make a difference.

Free Policy Review

With our free policy review, you have nothing to lose and potentially everything to gain. All it takes is one phone call or submission of our online form.

We Know Business Interruption Is Costly and Scary

An uncontrollable interruption, such as a natural disaster, can drastically impact your business and leave you feeling fearful for the future of your company. Not only will you be losing revenue, but you may also have to cover the cost of repairs if your business was damaged by a disaster of some kind. Your employees’ suffering must also be considered, so it’s essential that you get coverage for payroll along with any other costs associated with a business interruption.

Navigating the insurance claim process for a business interruption can be complex and confusing. If your claim is denied, you may be at even more of a loss as to how you can receive compensation. The Disaster Insurance Claims attorneys have years of experience helping our community recover from disasters that affect their lives and businesses. Let us take care of the insurance companies for you so you can focus on getting back to business.

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A business owner is forced to hang up a “closed” sign after a natural disaster.

We Have Collected Over$950 Million for Policyholders

We’ve won more than $950 million for policyholders — money that insurance companies would have otherwise withheld. Thanks to our in-depth knowledge of the insurance industry, you can count on our team to serve as a trusted partner in your fight to get compensation.

Disclaimer: This amount should not be used to form an estimate of your settlement. Individual results will vary depending on the facts and legal circumstances of your case. 

Common Reasons for Denial of Business Interruption Claims

Unfortunately, even if a business has sustained serious losses from an interruption in operations, claims can still be denied. Insurance companies are a money-making business, and they will take any opportunity to avoid paying a claim. Below are some of the common reasons a business interruption claim may be denied:

Many insurance policies have exceptions for certain circumstances, leaving your business vulnerable and without coverage if those exceptions apply. It is possible for insurance companies to misinterpret the facts of your case, assume an exception is appropriate, and deny your claim by mistake.

Without consistent and accurate records of inventory, payroll, and business expenses, the insurance company may not be able to pay you what your claim is actually worth.

It’s important to check your policy after a business interruption because insurance companies often require business owners to address the damages in some way. If you don’t take reasonable actions to deal with the damage, perhaps causing further damage or more extensive losses, you could be denied compensation.

If you believe your claim was unfairly denied, it’s vital that you contact a Disaster Insurance Claims lawyer immediately to help with your appeal.

Call Long & Long Today

If you’ve experienced a business interruption and need help with your insurance battle, our attorneys at Long & Long are here to help. Call us today or fill out our easy online form for a free consultation.

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What Losses Can Be Recovered?

Because every policy has different coverage and each business has unique needs, the types of compensation you can seek in a business interruption claim will vary. The legal experts of Disaster Insurance Claims can review your policy for free and determine every dollar you’re due. Here are a few of the main expenses covered by business interruption insurance:

  • Lost revenue
  • Costs relating to maintaining the property (e.g. rent or lease payments, utilities, taxes)
  • Relocation costs, if your business is destroyed by a natural disaster and you have to move
  • Payroll, to account for your employees’ lost income

The Insurance Adjuster Is Not on Your Side

To get the most out of your insurance claim, you’ll need a full assessment of the damages incurred by the business interruption. Insurance adjusters will come out to complete their own assessment, but they will do so with the goal of paying you as little as possible for your losses.

Only an experienced business interruption claim attorney with your best interests in mind can conduct an assessment that doesn’t underestimate the value of your losses. Our Disaster Insurance Claims lawyers will negotiate with the insurance adjuster if they don’t pay out as much as they should. We make sure no stone is left unturned, getting you every penny you’re owed.

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If Your Business has Sustained Damage:

Following these steps will help to ensure you get the most out of your claim.

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DOCUMENT YOUR DAMAGED PROPERTY

Take photos of the property that showcase all aspects of the business that suffered damage.

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DON’T SUBMIT A CONTRACTOR BID

You could receive much less than what you need if your policy is subject to under-insurance penalties.

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BEWARE OF UNDERINSURANCE PENALTIES

Don't submit contractor bids until after work begins.

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CONSULT AN ATTORNEY IMMEDIATELY

Contact a lawyer as soon as possible. Because public adjusters often turn claims over to attorneys anyway, you could be charged twice for your assessment.

Frequently Asked Questions

While every policy is different, the potential for business interruption insurance coverage is quite extensive. Lost revenue, rent or lease payments, and taxes are pretty standard, though you can also get a policy that covers relocation costs and employee wages.

For the most part, there are three primary types of business interruption insurance. Direct business interruption covers loss of income during the period of restoration of the business’s property. Extended business interruption includes the income that’s lost after the property is repaired but before it returns to its pre-loss level. Finally, contingent business interruption covers damage to the property of any of the business’s suppliers and consumers.

If you’re making a business interruption claim, you’ll need these primary kinds of documents:

  • Insurance policy
  • Expense reports
  • Revenue reports
  • Inventory
  • Payroll history
  • Temporary lease or equipment rental expense

At Long & Long, you will work with a business interruption claim attorney who works on a contingency-fee basis. That means you won’t be charged anything at all until you’ve received compensation.