Business Interruption Claims in Illinois

If the Insurer Disputes Your Claim, Call a Lawyer Quickly

Carriers often rely on exclusions, micro-limits, waiting periods, coinsurance penalties, and creative accounting to reduce payments. Having seasoned coverage counsel, a data-literate claim architect, and a trial-ready negotiator levels the field. The business interruption claims attorneys at Vargas Gonzalez Delombard will work to build the strongest case possible to convince the insurer to pay your claim. If necessary, we’ll go to court to enforce the promise your premiums purchased.

In Illinois, the default contract statute of limitations is 10 years, but many policies shorten it to one to two years, and courts often enforce that. Your best course of action is to seek legal help as soon as possible. We will begin gathering evidence to support your claim immediately.

Comparative Fault and Your Claim

Illinois’ modified comparative fault rule can apply to business interruption claims, though its application depends on the specific circumstances and the cause of the business loss. The core principle of this rule is that a party can recover damages only if they are 50% or less responsible for the harm. If the claimant is found to be more than 50% at fault, they cannot recover any damages. The insurance company may argue that you did something to cause your business interruption. You need a law firm that knows all the strategies in the insurance company playbook to avoid paying. That’s what you will get when you turn to Vargas Gonzalez Delombard.