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COVID-19 CLAIMS

The Coronavirus, Covid-19 is causing massive losses to businesses in the United States and worldwide.

The Coronavirus, Covid-19 is causing massive losses to businesses in the United States and worldwide.

If you are one of the thousands of business owners or operators that had their business “interrupted” by Covid-19 you may be entitled to compensation from your insurance company. Do not let your insurance company tell you what to do, because sadly they usually do not have your best interest in mind. Let an expert review your policy by Calling Torrey Pacific Law today!

IS YOUR INSURANCE COMPANY ACTING IN GOOD FAITH?

Every insurance company is required by the California laws to provide “good faith and fair dealing” when evaluating claims made by business and people. Business owners pay their monthly insurance premium sometimes for 30+ years without making one claim, because they believe they will receive financial help if difficult times arise. Corona virus could prove to be one of the most difficult times for business owners in 100 years. When insurance companies deprive their customers of insurance benefits and refuse to cut you a check, it could mean you have a claim for insurance bad faith. Having an attorney evaluate your policy can help you expedite the process and give you better understanding of your rights with your current policy.

DO I HAVE A VALID CLAIM AGAINST MY INSURANCE COMPANY?

Insurance companies have already been denying these types of corona virus related business interruption claims!

The Covid-19 global pandemic was unforeseen and has caused many states and municipalities to limit or shut down all “non- essential” businesses. Business owners are forced to close their doors and are losing money every single day with no clear end in sight. Owners and operators of these businesses may be looking to their business interruption insurance policy for much needed relief. But Policies are written in legal terminology which make it difficult for non-lawyers to full understand. That is why Torrey Pacific Law offers a free consultation to help you make sense of your policies guidelines and know if you have a claim.

Many insurance policies include coverage not only for property damage but for loss profits resulting from that damage as well. The main argument between business owners, insurance companies and the politicians is whether corona virus can cause  property damage and if it played a role in a loss of income.

Previous cases like Gregory Packing, Inc. v. Travelers Property Cas. Co. of America, have found that harmful substances at or on a property can constitute property damage. These types of ruling (this one in a New Jersey federal court, 2014) can make a strong argument that insurance companies are in fact liable for paying out on Covid-19 of claims because “properties can sustain physical damage without experiences structural alterations”.

WHAT DOES BUSINESS INTERRUPTION INSURANCE COVER?

Each policy is different but generally business interruption covers

 

Loss of Profits
temporary location expenses
operating expenses and other costs till being incurred by the property
extra expenses beyond your fixed costs to continue operation while the property is not accessible

HAS YOUR COVID-19 CLAIM ALREADY BEEN DENIED?

If you claim has already been denied by your insurance company, don’t give up. Insurance companies are known for refusing to pay on their polices until forced to by a court ruling. That is their business, to bully people. Insurance companies will ruthlessly fight against you with their legion of attorneys. Go into the battle with your own professional team and call Torrey Pacific Law today.

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  • support@consultio.com

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