Business Owners Hurricane Insurance Claims

Hurricane Michael was upgraded to a Category 4 storm before it made landfall in the Florida Panhandle and Big Bend region on Oct. 10. The storm had maximum sustained winds of 155 mph, and caused storm surge as high as 13 feet in some coastal areas. Early reports suggest that Hurricane Michael caused an estimated $5 billion in damage and killed at least 18 people.

Now that the storm has passed, business owners will have to navigate hurricane insurance claim proceedings, which can be confusing and contentious. We’ve provided some basic information below to help you get started.

Business Insurance Claims after a Hurricane

Business owners face unique problems after a hurricane. Not only is there wind and water damage to buildings, computers, furniture, business records and other property, but there is a loss of business income, loss of goodwill, and loss of your customer base.

Business insurance policies cover hurricane damage to structures, business personal property, and business income losses. Calculating business income losses takes experience and expertise. Our hurricane lawyers have helped many business owners calculate business income losses and recover from hurricane damage.

We work closely with your accountant, and we will hire forensic accountants to present your business income issues to the jury. In order to properly present your business income loss, your attorney must be able to effectively cross-examine the insurance companies’ accountant. Our hurricane lawyers have extensive experience cross-examining the insurance companies’ experts, and showing the weaknesses in their case.

Contact Our Hurricane Lawyers for Free

If you have questions about your hurricane claim, contact us today for a free, no-risk evaluation. Morgan & Morgan will pay all costs involved in preparing and presenting your case. (There are never any fees or costs if we are not successful in the claims.) Further, in many cases we are able to require the insurance company to pay some, or all, of our fees and costs.


What are your rights as a homeowner? Download our free Business Owners Insurance Claim Bill of Rights today.