The Growing Science Behind Direct Physical Loss or Damage from COVID-19

Across the country, policyholders and their insurers are locked in battle over whether COVID-19 implicates direct physical loss or damage under the meaning of commercial property policies. To date, insurers have routinely denied coverage for such claims without any investigation into whether COVID-19 implicates direct physical loss or damage from a scientific perspective. Instead, insurers have taken the unsubstantiated position that COVID-19 only causes intangible damage, if any, to covered property.