Texas Business Interruption Lawyer | Insurance Claims

When a covered event forces a Texas business to shut down or scale back operations, business interruption insurance is meant to cover the resulting losses. Unfortunately, insurers don't always pay what they owe, and many claims are denied, underpaid, or disputed. As a business litigation attorney, Jason Coomer helps Texas business owners review their policies and claims and pursue the coverage they are owed.

If your business has experienced a loss covered by a business interruption policy, contact Texas business interruption lawyer Jason Coomer or call 866-474-1477.

Frequently Asked Questions by Texas Business Interruption Lawyer

Does civil authority insurance cover business interruptions?

Interruption by civil authority insurance policy provisions are for businesses that are denied access to their facility during and after a catastrophic event, such as a hurricane, wildfire, mandated evacuation, or public health order. A business interruption lawyer will need to review your policy to determine whether a specific event triggers this coverage.

What is time element insurance?

Time element commercial coverage typically relates to a period during which business operations are suspended or reduced. When there is a covered suspension of operations, a time element policy may cover the resulting business interruption losses. Contact a commercial insurance claim attorney to review your specific policy language.

What is a direct physical loss or damage provision?

A direct physical loss or damage provision is language in a business insurance property policy. Direct physical loss or damage must occur to trigger a commercial property damage policy. A lawyer from a business interruption law firm can help analyze your policy and facts regarding this provision.

What is a pandemic event endorsement?

A pandemic event endorsement can provide business interruption coverage if an infected person visits your covered location, or if a government entity closes your business or a group of establishments during an infectious disease outbreak. Not all commercial policies include this endorsement, so it's worth confirming with your insurer or an attorney.

A Texas Business Interruption Lawyer Can Review Your Commercial Insurance Policy and Claim Before You File

Business owners should start by reviewing their insurance policy before filing a claim. The terms of commercial coverage should be carefully examined to determine the best way to maximize a claim, since coverage is not always obvious and insurance companies often work to minimize their liability by denying or disputing valid claims.

For larger claims, businesses should consider hiring an insurance coverage lawyer who can review the policy, help prepare the claim for filing, identify potential coverage issues, and help document covered losses.

Commercial Insurance Policies May Cover a Variety of Significant Business Losses

Companies that own and operate property used in a commercial business usually carry large insurance policies, and many of these policies offer six-figure, seven-figure, or multi-million dollar coverage for a variety of losses. Because most businesses and their insurance agents did not anticipate every type of interruption event when negotiating the policy, all policy language and communications with insurance agents should be reviewed to determine potential coverage. A Texas business interruption lawyer with insurance coverage claims experience can help review policies, agent representations, and broker communications.

Business Owner Decisions During a Covered Event Can Affect Insurance Coverage

Business owners often need to make quick decisions during a fire, storm, mandated closure, or other crisis in order to protect their business, employees, and customers. Some of those decisions can affect whether an insurance policy applies. By reviewing coverage issues in advance, businesses can help avoid pitfalls that later complicate a claim.

Insurance adjusters commonly use these decisions to support a denial of coverage, and insurers have in-house lawyers who advise them on how to deny claims. For this reason, businesses should review their policies and consult with a business interruption lawyer before making major shutdown or claim decisions whenever possible.

Insurance Adjusters and Insurance Company Lawyers Commonly Work to Reduce Claim Values

In addition to denying claims outright, insurance adjusters also work to reduce claim values, and insurers have in-house lawyers who advise them on how to do it. Many businesses benefit from working with a business interruption lawyer when making a claim, including help documenting damages, addressing mitigation issues, and defending and verifying losses to maximize a claim payout.

Insurance Coverage Varies Greatly Between Different Policies and Businesses

Insurance companies offer a wide variety of coverage to different types of businesses, and brokers and agents commonly offer an "all risks" policy that provides coverage for many types of losses. Each policy dictates the specifics of its own coverage, and the clauses, exclusions, and language require careful analysis to determine whether coverage applies to a particular loss. A business interruption lawyer can provide experienced legal advice regarding a specific policy.

Types of Texas Businesses That Commonly File Business Interruption Claims

Business interruption losses can affect nearly any type of commercial property, but some categories of businesses file these claims more often than others because a closure or slowdown affects their revenue so directly. These include theaters, restaurants, gyms and recreation centers, salons and spas, retail stores, hotels, bars and nightclubs, construction companies, manufacturers, child day cares, and medical and dental offices. Coverage for each of these businesses depends on the specific policy language and the cause of the interruption, so a business interruption lawyer should review the policy and facts of each case individually.

Types of Damages a Texas Business Interruption Lawyer Can Pursue

A Texas business interruption lawyer will seek compensation for several types of damages in an insurance claim, negotiation, or lawsuit. Some examples of damages that a commercial property policy, business owners policy, or commercial package policy might cover include the following:

• Business loss of income or revenue
• Fixed expenses such as rent and utilities
• Expenses related to a temporary business location
• Expenses to reduce loss

Why Choose Jason Coomer for Your Business Interruption Insurance Claim

Jason Coomer helps Texas business owners protect their rights after a covered event interrupts their operations. He can assist in seeking fair compensation for losses to a commercial property and represent business owners affected by a covered shutdown or slowdown. As a business interruption insurance attorney, Jason Coomer works with other lawyers and law firms across Texas, and with attorneys throughout the United States, to negotiate with insurance adjusters and seek a fair resolution to commercial insurance claims and disputes. He can also assist corporate counsel and in-house counsel with business interruption claim matters.

If your business has experienced losses covered by a business interruption policy, contact Jason Coomer. Call 866-474-1477 (toll free).