Consult with a premium Houston business interruption lawyer at Callender Bowlin if you need urgent assistance after suffering from a business interruption.
For many entrepreneurs, being able to start a business is a very significant achievement. However, it is important to keep in mind that starting a business and successfully maintaining a business are two very different things. As a business owner, you face unique struggles and high-stake challenges.
From natural catastrophes to other unpredictable circumstances, business interruptions may occur in a variety of forms. Fortunately, you may acquire an insurance policy for your business covering these types of events, and with the help of the right Houston business interruption lawyer, you can ensure that you receive a just amount of compensation.
Based in Houston, Texas, the law firm’s founding partners, Mark Callender and Josh Bowlin, have over two decades of experience trying cases in federal and district courts in various venues nationwide. They expertly handle business interruption claims. Feel free to browse through the verified testimonials of our satisfied clients.
How Much Do We Charge: We operate on a contingency fee arrangement. This means that our clients do not pay any legal fees upfront. Instead, our fees are contingent upon the successful outcome of the case.
Contact Us Now: If you or a loved one seeks to file a business interruption claim, you can get help and representation from a Houston-based lawyer at Callender Bowlin. We’re always available to provide support. Call (713) 955-9719 now or send us a message.
Why Choose Callender Bowlin?
There are various law firms in Houston that can offer you legal counsel. However, Callender Bowlin proves to be the optimal choice for a variety of reasons:
● Years of experience and expertise
● Has an established track record of success
● Deep understanding of business interruption law
● Offers personalized support for its clients
● Has good communication abilities
Here at Callender Bowlin, we ensure that we provide our clients with dedicated and well-versed professionals to assist them with their legal needs.
How Can We Help in A Business Interruption Case?
Business interruptions refer to any type of incident or event that may hinder a business from operating. No matter how big or small your business is, it is important to understand that every establishment faces the risk of a possible business interruption.
So, what are the possible risks of a business interruption? A lot. Some of the consequences of business interruption include but are not limited to the following:
- Financial loss
- Reduced sales
- Increased cost of working
Business interruptions further cause operations to stop and, as a result, can have a significant impact on an organization as well as its employees. This is where the role of lawyers comes in.
This type of occurrence has several implications, and Callender Bowlin offers many solutions. Our legal team in Callender Bowlin can help you with our extensive experience. Some of the examples of what our very efficient team can do for your case include:
- Evaluation of cases and free consultation
- File a business interruption claim on your behalf
- Help you acquire a better settlement
- Negotiate with insurance providers
- Gather relevant information to develop a strong case against an insurance provider (if necessary)
- Defend you in court if the situation calls for it
About Business Interruption in Houston
Natural disasters are common in the Lone Star State. In fact, according to Understanding Houston, the disruptive weather events occurring in the state are not expected to stop anytime soon.
Due to Houston’s geographic placement, the state is prone to high-risk levels of natural calamities. In addition to this, other factors, such as man-made environmental factors along with socioeconomic equality, also contribute to the vulnerability of the state to natural disasters. As a result, the region finds it difficult to easily recover from the negative effects of such unforeseen and unfortunate natural events.
Moreover, the frequent occurrence of natural disasters has a significant impact on the community, including the many businesses in the state. In the event of a natural disaster, several companies are forced to put their operations on hold, which results in huge financial losses.
According to a report posted in the Houston Chronicle, plenty of restaurants have closed in Houston, Texas, for the past few years due to certain challenges such as the COVID-19 pandemic, rising food costs, and inflation.
Where Do Business Interruptions Occur?
Business interruptions happen due to unforeseen circumstances. It could occur physically or digitally. Some of the top industries with high business interruption claims include the following:
- Food and Beverage Industry
- Retail Industry
- Manufacturing Industry
- Technology Industry
While business interruptions may occur in both small and large businesses, they may cause a more significant impact on small businesses as they often lack the financial resources to endure longer periods of interruption compared to larger corporations.
How Do Business Interruptions Occur?
Business interruptions may occur for plenty of reasons. It could be due to a natural cause, or it could be a result of an action made by the management. It could also be a result of an action that the management has failed to do.
Ultimately, the root cause of a business interruption cannot be limited to just one. For better understanding, we have provided a list of examples of the possible reasons why business interruptions occur.
Some of the examples include the following:
- Extreme weather events
- Natural disasters
- Cyberattacks
- Damaged company equipment
- Employee deaths or illnesses
- Supply chain failure
- Network failures in office computers
Understanding how and why business interruptions occur is very important for business owners. By being able to identify the root cause of it, businesses will be able to develop effective risk transfer and better management strategies in order to avoid or lessen the risk of business interruptions.
Business Interruptions Can Result From Various Negligent Acts
Business interruptions can be a result of manmade actions. For example, a supplier fails to deliver the products or goods. This could result in the loss of a huge amount of business income and may also lead to the risk of losing certain customers.
While the most common reasons for business interruption in Texas are natural causes, there is no denying that business interruptions can also result from various negligent acts.
Generally, the state of Texas adheres to what we call a modified comparative fault system in order to determine liability as well as compensation. There are five (5) elements of negligence in Texas. Specifically;
- Duty
- Breach
- Cause in fact
- Proximate cause
- Damages
It is also important to note that there are different types of business interruption coverage. These are:
- Business income coverage
- Extra expense coverage
- Contingent business interruption coverage
- Civil authority coverage
Depending on the type of business interruption coverage you acquire, some of the damages and losses covered by business interruption insurance may include the following:
- Unearned profits
- Employee wages
- Taxes
- Loan payments
- Temporary locations
- Extra expenses
- Civil authority ingress/egress
It is important to keep in mind that Texas laws regarding negligence may vary depending on the type of claim involved. A seasoned attorney can help you understand all of these technicalities.
Role of A Specialized Attorney
Business interruptions can have major consequences for any type of business. Unforeseen circumstances such as accidents, disasters, property damage, and equipment failure can result in devastating financial losses. Fortunately, business interruption insurance exists.
Generally, business interruption insurance is designed to protect businesses financially should an unfortunate situation arise. However, there are instances when insurance providers may deny a business interruption claim – it is in moments like this where a business interruption lawyer may properly guide you.
So, what exactly can a business interruption lawyer do for your case?
- Identify and explain to you the details of your insurance policy
- Determine your eligible benefits and losses
- Help investigate and review your claim thoroughly
- Handle negotiations between you and your insurance provider
- Take legal action against your insurance company if necessary
Working With A Local Houston Business Interruption Lawyer
Navigating the complicated waters of a business interruption claim can be a very hard task without the right representative to guide you. A local Houston business interruption lawyer can provide you with several advantages in your case for the following reasons:
- They acquire relevant knowledge of the law
- They have the experience and expertise to handle similar cases
- They are good negotiators
- They can provide essential guidance during the whole legal process
- They can serve as your legal representation
Call A Houston Business Interruption Lawyer Now
A highly reputable Houston business interruption lawyer is within reach as you try to navigate a complicated claims process. Our firm can help you on your road to recovery.
Business owners dread the idea of business interruptions. While you cannot control unforeseen circumstances such as fires, tornadoes or a pandemic, there is something you can do to recover from it.
With the help of a Houston business interruption lawyer from Callender Bowlin, you will be able to navigate your business interruption claims process efficiently. While acquiring business interruption insurance may seem to give you a safety net to fall on should your business be forced to stop its operation due to an unforeseen event, there are instances when insurance providers deny business interruption claims.
If your business is currently facing a business interruption and you believe that your insurance provider is acting in bad faith, Callender Bowlin can provide you with the legal assistance you need.
With our vast resources and network of legal experts, we can confidently handle your case – and winning is the only option. If you or a loved one wants to pursue a business interruption claim, contact us now at (713) 955-9719 or send us a message for a free case evaluation to discover how we can support you.
Callender Bowlin LLP
4299 San Felipe St # 300
Houston, TX 77027
