COVID-19 & Forced Business Interruption: Does Your Insurance Have a Virus Exclusion?

Find out if you’re covered – contact us.

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When an insured is sued in court, the insurance company is responsible to pay for the insured’s representation. In Mount Hawley Insurance v. Casson Duncan Construction, Inc., 409 P.3d 619 (Colo.App. 2016), the Colorado Court of Appeals held that an insurance company’s responsibility to pay for the insured’s defense applied regardless of whether the damages in the case were covered by the policy holding that an insurance company is responsible to pay “costs” even if the underlying “damages” are found not be covered by the policy.

Insurance companies often have significant advantages over individual insureds. Claims from property damages caused by “all risks” are often denied as a result of misinterpretations of coverage, breach of contract, and disputes over value. Carriers are obligated to negotiate these things in good faith – and often don’t. As a result of poor insurance company behavior, a named insured may sustain damage to his or her home that greatly devalues a person’s most important asset, their home, an insured may lose business income if the a commercial building his or her business is located it is damaged by hail, fire, or flood, or a commercial building owned by you may sustain damage which results is lost rents from tenants who were forced to leave the building due to damage caused by hail, fire, or a flood. We ensure that these types of damages are accounted for.

Disputes between a policyholder and their insurance company about the “amount of loss” can be stressful and confusing. Furtado Law PC is committed to holding insurance companies accountable for a fair and cost-effective appraisal process.

This includes a “Proof of Loss” declaration under penalty of perjury. It is wise to consult with a qualified professional when submitting this document. If the “Proof of Loss” is found to be inaccurate, coverage under the policy may be voided.

Appraisers not only help determine the amount of loss, but may also help determine the cause of loss. In Auto-Owners Insurance Company v. Summit Park Townhome Association, 100 F. Supp 3d 1099 (D. Colo. 2015) the court held that the cause of loss is an essential part of determining the amount of loss. Furtdao Law PC is litigating Certain Underwriters of Lloyd’s of London v. Southwind and Eastpointe Homeowners Association, Inc. (Case No. 1:16cv01288-MJW) where this ruling has been applied.

It is important that qualified professionals assist policyholders with the appraisal process. Insurance companies often attempt to influence the process by choosing biased appraisers to assist them. Some companies undermine the process by claiming an appraiser cannot determine the scope or cause of loss, and otherwise attempt to delay the process by interfering with the appraisal.

Furtado Law PC has sucessfully navigated the appraisal process for its clients.

Insureds are often served in the insurance market not by the insurance companies themselves, but by brokers who work with multiple underwriters. The brokers are responsible to represent the terms of the policy correctly. In DC–10 Entertainment, LLC v. Manor Insurance Agency, Inc., 308 P.3d 1223 (Colo.App. 2013), the Colorado Court of Appeals reversed a trial court decision against the insured by holding that the insurance broker was liable due to its failure to obtain the specific coverages requested by the business owner.

Learn how to protect your business, get your full compensation, and why your first call should be to an attorney

Learn how to protect your business, get your full compensation, and why your first call should be to an attorney

To better evaluate your options, let Furtado Law help you with a complimentary assessment of your policy. But don’t wait: Start protecting your business now by contacting the experts at Furtado Law.

Contact us at info@furtadolaw.com with the following information:

• A copy of your certified insurance policy
• The name of your actual insurance carrier
• The name of your insurance representative or agent
Because what you don’t know will hurt you.

How to know if your business may be eligible for compensation:

• You could call your agent, but what if they don’t provide you with the important details you need? What if they lack the experience or skills to know what those details are?
• You could try to decipher your policy yourself – but how will you know what you’re even looking at? Get any information wrong, or overlook something, and you may have much to lose.
Why you need an attorney, even before you speak to your carrier :
• If your coverage includes virus inclusion, does it cover you under current circumstances?
• Do you have Business Interruption Coverage or Civil Authority Coverage? What do you need to qualify? Does it cover you for State or Federal interruptions? Both? Neither?
• Do you know the carrier of your policy – precisely? Is it held by a subsidiary or another entity you’re not aware of? Because ownership and jurisdiction often change. Knowing your proper contact is crucial.
• Do you understand the language of your policy? While insurance legalese appears to be designed to confuse and obfuscate, it’s actually designed to be precisely and technically specific. Knowing exactly what you’re entitled to, or not, is crucial.
• Any mistakes made in the process – such as filing your case with the wrong carrier, being assigned to the wrong court, are among several factors that can significantly affect and even jeopardize your compensation.
• How your case is presented can also be essential for the best possible outcome. Do you have the expertise to know exactly what the court needs to hear? What strategies will best serve your circumstances?

We do this at no risk to you:

You have nothing to lose – other than everything you have worked for. Let us begin to help you protect it.

COVID-19 & Forced Business Interruption:
Does Your Insurance Have a Virus Exclusion?

Learn how to protect your business, get your full compensation, and why your first call should be to an attorney

To better evaluate your options, let Furtado Law help you with a complimentary assessment of your policy. But don’t wait: Start protecting your business now by contacting the experts at Furtado Law.

Contact us at info@furtadolaw.com with the following information:

• A copy of your certified insurance policy
• The name of your actual insurance carrier
• The name of your insurance representative or agent
Because what you don’t know will hurt you.

How to know if your business may be eligible for compensation:

• You could call your agent, but what if they don’t provide you with the important details you need? What if they lack the experience or skills to know what those details are?
• You could try to decipher your policy yourself – but how will you know what you’re even looking at? Get any information wrong, or overlook something, and you may have much to lose.
Why you need an attorney, even before you speak to your carrier :
• If your coverage includes virus inclusion, does it cover you under current circumstances?
• Do you have Business Interruption Coverage or Civil Authority Coverage? What do you need to qualify? Does it cover you for State or Federal interruptions? Both? Neither?
• Do you know the carrier of your policy – precisely? Is it held by a subsidiary or another entity you’re not aware of? Because ownership and jurisdiction often change. Knowing your proper contact is crucial.
• Do you understand the language of your policy? While insurance legalese appears to be designed to confuse and obfuscate, it’s actually designed to be precisely and technically specific. Knowing exactly what you’re entitled to, or not, is crucial.
• Any mistakes made in the process – such as filing your case with the wrong carrier, being assigned to the wrong court, are among several factors that can significantly affect and even jeopardize your compensation.
• How your case is presented can also be essential for the best possible outcome. Do you have the expertise to know exactly what the court needs to hear? What strategies will best serve your circumstances?

We do this at no risk to you:

You have nothing to lose – other than everything you have worked for. Let us begin to help you protect it.

Schedule a Free Consultation at
(866) 497-6106






Meet the Attorneys

Practice Areas

Meet the Attorneys

Practice Areas