Business Interruption And Loss Of Use Insurance Claim Lawyers In Wisconsin

Your business stopped generating income the day the damage happened. Now your insurer is questioning your losses, limiting your benefits or denying your claim. At MGW Law, we bring more than 50 years of combined legal experience to Wisconsin policyholders. That means you have seasoned attorneys who know how insurers operate and how to fight back.

What Business Interruption And Loss Of Use Coverage May Include

Your policy may cover more than your insurer acknowledges. Business interruption and loss of use benefits may include:

• Lost business income: Revenue your business would have earned during the restoration period
• Continuing expenses: Fixed costs like rent, utilities and payroll that continue during a shutdown
• Extra expenses: Additional costs to minimize the interruption or maintain critical operations
• Temporary relocation: Expenses for moving operations to another location
• Loss of use: Coverage when you cannot use your property due to covered damage

Policy language determines what your specific claim covers.

How Insurers Challenge Business Interruption And Loss Of Use Claims

Insurers use your revenue records, operating expenses and financial statements to project what you would have earned. They compare projected revenue to your actual revenue and continuing expenses to determine your loss. However, insurers may dispute these claims for many reasons, including:

• Cause of loss: The insurer argues the event does not qualify as a covered cause of loss.
• Projected income: The insurer disputes your revenue history or income calculations.
• Extra expenses: The insurer refuses costs it calls unnecessary.
• Policy exclusions: The insurer uses broad exclusions to limit your benefits.
• Restoration period: The insurer may dispute when the covered period should end.

Wisconsin law requires insurers to acknowledge claims promptly and investigate in good faith, and missing those deadlines may give you additional legal options.

If your insurer delays or underpays, we can review your policy language, understand how your insurer calculated your claim and keep track of the deadlines.

Do Not Let Your Insurer Decide What Your Losses Are Worth

Your business survived the damage, but when it comes to claiming your insurance, it should not have to fight alone. MGW Law focuses on denied, delayed and underpaid claims, and Wisconsin policyholders deserve attorneys who push back. Call our office at 920-383-3911 or reach out to us online.