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The insured sustained damage to business premises following a hurricane. (Photo: Shutterstock) The insured sustained damage to business premises following a hurricane. (Photo: Shutterstock)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: This week’s question involves an insured with business income coverage and an endorsement for Utility Services-Time Element on their policy. Following Hurricane Maria, the insured was able to resume operations within a short period of time with the use of a power generator. The question relates to how business income coverage applies to the waiting period for the utility services, including when that waiting period ends, and when the business income coverage ends. 

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