Courts siding with insurance firms over business interruption claims | Business

A growing number of U.S. courts are ruling against employers who’ve filed insurance claims for business interruption coverage stemming from government-ordered coronavirus shutdowns.

The Insurance Information Institute reports insurers have won more than a dozen cases since May, with judges ruling that the policies only kick in if a property sustains physical damage. The business owners had argued that the coverage should have started when local or state governments issued stay-at-home orders that hampered their ability to operate.

A couple of Charleston-area cases are still pending in federal court. Black Magic Cafe says its losses started on March 17, when Gov. Henry McMaster ordered a temporary halt to dine-in services at South Carolina restaurants.

The historic Calhoun Mansion at 10 Meeting St., now known as The Williams Mansion, sued its insurer after a McMaster executive order shut down museums.

Charleston cafe takes on insurance firm in fight over coronavirus claims

A bill that would have required insurance carriers to cover coronavirus-related business losses — co-sponsored by Sen. Sandy Senn, a Charleston Republican, and Sen. Marlon Kimpson, a Charleston Democrat — was introduced in the S.C. Statehouse in April but went nowhere.

Recent court rulings indicate the local cases might be a losing cause.

For example, Judge Thomas Thrash last week dismissed a federal lawsuit brought by restaurant in Georgia, ruling that a government stay-at-home order did not cause the business to sustain direct physical loss of or damage to its insured property or surrounding premises.

Owner of Charleston's historic Calhoun Mansion suing insurer over COVID-19 claims

Similarly, a U.S. District Court judge in Florida last month dismissed a trade show display company’s claims, saying “the plain language of the policies reflect that actual, concrete damage is necessary.”

And in another ruling in California last month, Judge Cathy Ann Bencivengo ruled against a pair of barbershops, stating: “Most courts have rejected these claims, finding that the

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Rick Parry sparks civil war by siding with Liverpool and Man Utd in radical shake-up plan

Rick Parry has sparked civil war after cooking up a Premier League coup with Liverpool and Manchester United.

It has provoked a furious reaction from the Premier League, other top flight clubs and brought a stinging reaction from the Government.

A spokesman for the Department for Digital, Media, Culture and Sport said: ”We are surprised and disappointed that at a time of crisis when we have urged the top tiers of professional football to come together and finalise a deal to help lower league clubs there appear to be backroom deals being cooked up that would create a closed shop at the very top of the game.

“Sustainability, integrity and fair competition are absolutely paramount and anything that may undermine them is deeply troubling. Fans must be front of all our minds, and this shows why our fan led review of football governance will be so critical.”

Rick Parry holding a sign: Parry has sparked outrage among government, the Premier League and other top-flight clubs

© Andrew Fosker/BPI/REX/Shutterstock
Parry has sparked outrage among government, the Premier League and other top-flight clubs

The Premier League do not view it as a rescue plan but as a hostile takeover and even criticised EFL chairman Parry publicly in their own statement and Mirror Sport understands it has caused a huge rift between the two leagues, endangering any EFL bail out.

Liverpool’s owners Fenway Sports Group are believed to have initiated the plan, it has been supported by the United hierarchy but has been done without knowledge of the other clubs and is now in danger of collapsing before getting to first base.

The plan would give bigger clubs more power, the Premier League would be reduced to 18 clubs and an overhaul of the League Cup with the Community Shield scrapped in exchange for a £250m bail out for the EFL.

Pierre-Emerick Aubameyang holding a ball: The Community Shield would be scrapped as part of the new plans

© Nizaam Jones/JMP/REX/Shutterstock
The Community Shield would be scrapped as

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Nadda’s veiled attack on Lalu

Gaya (Bihar) [India], October 11 (ANI): In a veiled jibe at former chief minister Lalu Prasad Yadav and his Mahagathbandhan with the Congress, BJP national president Jagat Prakash Nadda on Sunday said one who entered politics holding the hands of Loknayak Jayaprakash Narayan — who led a movement against the Congress — and went on to become chief minister, was today siding with the very party.

“The leader who became a politician and CM with the blessings of Jayaprakash Narayan — the man who formed Janata Party by sidelining the Congress — was now hugging the very party,” Nadda said without naming Yadav while addressing his first election rally in poll-bound Bihar’s Gaya on Sunday.

He added those who are now around 50-60 years of age might’ve witnessed the JP movement. “For the first time in independent India, they might have heard a voice and political ideology different from that of the Congress — the voice of Jayaprakash Narayan,” Nadda said.

He compared Yadav with another product of the JP movement, Chief Minister Nitish Kumar.

“Nitish ji, along with (Prime Minister) Narendra Modi ji, has changed the political culture of Bihar. Earlier, the Congress used to do politics on the basis of caste. Now Narendra Modi has started a culture of going to people on the basis of the report card of the government’s work,” he said, highlighting the works of the central government in Bihar.

“In 2015, PM Modi announced Rs 1.25-lakh-crore-worth package for Bihar, of which Rs 394 crore has already been spent for the welfare of farmers, Rs 10,000 crore for education and Rs 1,550 crore for skill development.”

He added only four medical colleges were opened in Bihar in seven decades of independence. “But After 2014, Bihar has got 14 new medical colleges and 11 more

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Master Gardener: Protect your home from the wrath of woodpeckers

Answer: Woodpeckers can cause a lot of damage to a house! Several years ago, I noticed drywall dust on my bedroom nightstand, looked up, and discovered a hole in the wall. A pileated woodpecker had pecked through the cedar siding, sheeting, insulation, and drywall, causing $1,000 worth of damage. I then discovered that insurance doesn’t cover damage from birds. During the past week I have been chasing them off the house every time I happen to hear rat-a-tat-tat.

Related: Ask the Master Gardener: Add a splash of fall color to your yard with shrubberies

There are nine species of woodpeckers found in Minnesota. Flickers and Yellow-bellied Sapsuckers leave for the winter, but the others stay here year-round. Don’t consider shooting them out your window because woodpeckers are a protected species — it is illegal to kill or trap one without a permit. Wood siding, especially soft wood like cedar, attracts woodpeckers who leave behind holes ranging in size from one-fourth inch to one inch or more. Woodpeckers peck for three reasons: communicating, feeding, or roosting. They often focus on the area just below the eaves. The “drumming” you hear is the woodpecker searching the house for hollow spaces. If a woodpecker is looking for food it will usually leave several small (less than one-half inch) feeding holes scattered over an area or formed into rows. One or two larger holes (an inch or more) are typically a sign of roosting or nesting behavior. It is critical to take action as soon as a woodpecker starts making holes in your siding, and before it has time to make it a part of its routine.

There are some techniques you can try to scare off your woodpeckers, but before you begin, cover or repair any existing holes. For small pea-sized holes,

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What to know about selecting materials for your home exterior

Whether you’re building a new home or making exterior updates, there are many decisions you’ll have to make. Perhaps topping the list in importance is what materials you select for your roofing and siding.

Not only do your selections impact your home’s curb appeal, but some choices have the potential to save you money and help increase your family’s safety.

Here are some things to consider, as well as some of the reasons why many building industry professionals and homeowners today are avoiding real wood products and steering toward composite shake alternatives instead:

Long-term aesthetics.

Real cedar shake roofing and siding is beautiful, particularly as it ages. Unfortunately, just as it begins to weather to a rich-looking color, it often becomes unserviceable due to deterioration.

To get the authentic weathered look of real cedar from day one, opt for composite materials. Those from DaVinci Roofscapes — — resist impact, fire, mold, algae, insects, salt air and high winds. Available in various colors and color blends, they will look as attractive as weathered cedar, but won’t curl, cup or split in the way wood does, so you get years of worry-free beauty.


A Class A fire rating is the highest level of fire resistance a roofing system can achieve. While this is an important consideration for any homeowner, it should be a top priority for anyone living in wildfire-prone territories. Keep in mind that real cedar can burn easily, whereas fire-resistant composite shake siding and roofing offer peace of mind in this regard, acting as your family’s first line of defense against stray sparks.

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