Hurricane Harvey caused massive damages directly and indirectly to many Texas business owners. Our law firm is experienced in coverage disputes, damage disputes, and insurance agent lawsuits. Our law firm provides free consultations to business owners by reviewing the policy language to determine what, if any, coverage is available and what the business may recover under the policies. Typically, our firm becomes involved once the claim has been filed by the business owner, but some business owners would rather not take any chances and hand over the claim preparation to our insurance lawyers.
In Hurricane Harvey, some businesses suffered extensive property damages from flood and windstorm. For flood damages, there are many exclusions in insurance policies for direct and indirect losses. That is, even if your business suffered no physical flood damages, your policy may exclude business loss damages still. It simply depends on the policy. Each business interruption loss claims where there was no physical damage to the actually property requires a case-by-case claim evaluation by experienced coverage counsel.
Windstorm damages to business is typically covered. When there is windstorm damages to your business’s property, the dispute is typically limited to damages for repairs and lost revenue. Sometimes, there may be limitations if there is concurrent causation damages. That is, if flood and wind caused damages, there could be an exclusion for damages. Again, review by a lawyer in this case may be appropriate prior to filing a claim to ensure the right coverage is sought and triggered.
Finally, many businesses seek our help when their damages arise from business interruption where civil authority such as a curfew, lack of utilities, mandatory evacuations, or intentional controlled releases of water from the Addicks or Barker reservoirs caused an interruption of business and loss of revenue to your business. The law on this type of loss is complicated. The controlled release cause is unprecedented in recent history. Nevertheless, many businesses suffered massive losses of revenue due to the resulting loss of electricity, curfew, evacuations, loss of internet, lack of ingress/egress, loss of customers, unavailable employees, vendor unavailability, and a variety of other collateral damages from Hurricane Harvey.