Vigilant Insurance moved to dismiss the amended complaint on the basis that Another Planet had not sufficiently alleged direct physical loss or damage to property. The pleading further asserted that minimizing the spread of COVID-19 requires physical alterations, including physical distancing, regular disinfection, air filtration, and installation of physical barriers. The insured further alleged that aerosolized droplets of the COVID-19 virus physically alter the air in which they are present and property surfaces to which they attach, constituting physical loss or damage.Īnother Planet also claimed that the presence of the droplets can render property unusable for its intended purpose and function, qualifying as physical loss or damage. In its amended complaint, Another Planet alleged that the virus was present or would have been present had it not closed its venues in compliance with government orders. ![]() After its insurer denied coverage for business income losses incurred, Another Planet filed suit in California federal court seeking coverage under several provisions of its "all-risk" property insurance policy that require "direct physical loss or damage to property" to trigger coverage. District court proceedingsĪnother Planet operates and promotes concerts, events, and festivals in California and Nevada. Vigilant Insurance Co., the state's highest court will address the question of whether under California law the actual or potential presence of SARS-CoV-2 on insured property can qualify as physical loss of or damage to property. Much uncertainty remains as to how California law applies in a number of scenarios presented by the pandemic.Īfter three years of insurance claims and litigation, the California Supreme Court has agreed to provide guidance on one of the main arguments that insurers make when rejecting COVID-19 business interruption claims. If you own a business involved with debris removal and want to work on clean-up efforts in affected areas, please contact the local government in affected areas to offer your services.MaCourts at the state and federal levels continue grappling with the application of California insurance law to COVID-19 business interruption claims. If you are interested in providing paid services and goods for disaster relief, visit our Doing Business with FEMA page to get started. Work with an established organization to make sure you have the appropriate safety, training and skills needed to respond.įEMA Voluntary Agency Liaisons (VALs) build relationships and coordinate efforts with voluntary, faith-based and community organizations active in disasters. Trusted organizations in the affected areas know where volunteers are needed. Learn more about how to help those in need.ĭon’t self-deploy to disaster areas. There are many ways to help such as donating cash, needed items or your time. ![]() Recovery can take many years after a disaster. ![]() ![]() To obtain information about the type of facility serving your area, the location(s), and the hours of operation, visit the section below titled “Local Resources” or call the SBA’s Disaster Customer Service Center at 1-80 or email more about SBA loans. Get more information about disaster loans. These facilities can be either virtual or brick-and-mortar, depending on the circumstances surrounding the disaster and other factors. Small Business Administration (SBA) has established facilities to provide business owners, nonprofit organizations, homeowners and renters with answers to their questions about SBA’s disaster loan program, explain the application process and help each person complete their electronic loan application. I Was Told to Call the Small Business Administration Check with your local emergency management officials, voluntary agencies or by dialing your local 2-1-1. Find help with needs that FEMA is not authorized to provide.
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