During Hurricane Sandy, storm surge, flooded streets, high winds, and lack of power made it very difficult for many Connecticut businesses to stay open and conduct business as usual. In fact, many businesses were forced to close their doors due to mandatory evacuations, road closures, and loss of power.
Bridgeport, Fairfield, Stamford, and other low-lying areas in Connecticut had portions of their cities evacuated under civil authority. When this occurs, and the government orders evacuations of certain areas, business owners, employees, and customers are unable to access a business’s premises.
What the Insurance Company Doesn’t Want You to Know About Civil Authority
Connecticut businesses that lost business income and incurred extra expenses due to a mandatory evacuation may be covered for their losses under their insurance policies, if there is an “action of civil authority provision” in the policy. Many commercial insurance policies have coverage for civil authority due to restricted access of the area. Review your policy to determine if you have this additional coverage.
If you do not, you may have some form of business interruption insurance or a provision that could help you collect for some of your lost business income. For help understanding what your insurance policy includes or for help learning about your policy’s coverage and restrictions, please call a knowledgeable commercial insurance claim lawyer at the Voss Law Firm.
Our attorneys have been successful helping business owners appeal denied insurance claims and fighting to get them what they deserve—and we may be able to help you too. Please give us a call at 888-614-7730 to receive a free consultation and a free copy of our book Commercial Insurance Claims: The Basics.