Hurricane Claims FAQs

For several days, my business was forced to close down, and all my employees and customers were ordered by the state government to evacuate the area because of a hurricane. After the storm passed, the area where my business is located was blocked by the fire department. Can I recover any damages for this?

If your business insurance includes "civil authority" or "ingress and egress" clauses in your policy, you may be eligible to receive coverage for losses due to the inability to operate your business from a forced closure or for the inability of customers or goods to access your business.

Civil authority clauses cover your losses due to the mandated closure by the local government for hurricane evacuation.

Ingress and egress will take effect if your area is blocked by the fire department and you cannot open your store or customers cannot access it; there is no actual government closure, but business may be slowed or halted due to these conditions.

The experienced Houston hurricane insurance lawyers at Arnold & Itkin LLP can examine the terms of your policy and determine the extent of your coverage. Call us today to schedule a free consultation.