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Does a Snow Emergency Constitute a Civil Authority Claim?

The authorities have shut down the roads for safety reasons. Can you file an insurance claim for lost business?

By Susan Massmann | Updated on March 17, 2014
Daniel Davis is covered in snow and ice while clearing a sidewalk during a snow storm in Detroit Wednesday, March 12, 2014. (AP Photo/Paul Sancya)

While spring is finally returning to much of the country, we won’t soon forget the record levels of snow that piled up this past winter. And as winter damage claims have begun to pour in, FC&S has received a flurry of questions regarding loss of income due to roads and businesses closing because of snow.

For instance, an FC&S subscriber submitted this problem:

We recently had a snow emergency due to blizzard conditions for forty-eight hours where people were advised to stay off the roads except for emergencies or employers who required their employees to be at work. If you had no business being on the roads, you could be ticketed. The snow emergency was declared by the local sheriff for the entire county.

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