This is a new and emerging field of property damage law, where the scope or existence of coverage will depend on your policy language, The Property People are eager to examine your policy and seek coverage for any losses you may have sustained due to any damage or lost income that result from the COVID-19 pandemic and ongoing civil regulations – from cancelled AirBnb reservations to lost customers and reduced profits.

Florida courts have not settled upon a uniform rule for when insured property has suffered a “physical loss.” But, other courts have held that contamination and other incidents that render property uninhabitable or otherwise unfit for its intended use constitutes a “physical loss” sufficient to trigger coverage. Additionally, some commercial property insurance policies provide coverage for business income losses sustained when a “civil authority” prohibits or impairs access to the policyholder’s premises. Whether a covered loss exists will therefore require a close examination of your policy and the facts of your claim.

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