Two years ago, there was much uncertainty regarding how the COVID-19 pandemic would play out, and we all undoubtedly questioned when the world might return to some sense of normalcy.

Likewise, in the insurance industry at that time, there was serious debate as to whether COVID-19 business losses would be covered by insurance and, if so, how that would impact the industry.

For example, a March 30, 2020, headline from the Wall Street Journal proclaimed that “Pressure Mounts on Insurance Companies to Pay Out for Coronavirus.” Moreover, lawmakers in some states introduced bills that would have required insurers to pay COVID-19 claims without regard to policy language and exclusions.

Of course, much has changed in the last two years. The proliferation of vaccines and new, life-saving treatments has allowed the world to emerge from the pandemic. In addition, courts are now overwhelmingly finding that COVID-19 business interruption claims are not covered, reasoning that “direct physical loss” means something more than economic loss. That there is some tangible alteration of the property required.

Recently, the Florida’s Third District Court of Appeal ruled that COVID-19 shutdowns are not covered business interruption losses.

While the Florida Supreme Court has yet to rule on this issue, decisions from other federal appellate courts and state high courts are persuasive authority in support of a ruling that COVID-19 business interruption losses are not covered in Florida.

Consumer law Office (CLO) is a client-centric Property Damage Law Firm that is committed to delivering excellent customer service.

Your business is important to us as it is to you. During the event of a major loss to your business your focus should be on maintaining your businesses operations, not worrying about the complexity of insurance claims process. That’s where CLO and its team of experienced Property Damage Attorneys come in.

Our attorneys have years of experience in adjusting and litigating commercial insurance claims, our attorneys have always helped thousands of businesses recover from unforeseen adversities.

If your businesses experienced property damage or business interruption due to a fire, flood, hurricane, or other disaster, Consumer Law Office, P.A. can help you.

CLO has helped numerous business owners successfully recover the compensation they deserve. Best of all there are no upfront fees, and we only get paid when you get paid. Contact us today for a free consultation: 305-940-0924.

Your insurance company has the resources to hire experts to protect their interests; your representation should be no different.