In Puerto Rico on January 7, 4:30 AM  there was an earthquake registering 6.4 on the Richter's scale, which damaged some service auto lifters on both insured locations. As of January 16, 2020, aftershocks and/or earthquakes are still occurring every hour every day registering from 2.5 to 4.5 on the Ritcher's scale.

The insured business is an auto dealer operation with sales, services and parts. The two locations are each insured for earthquake loss with business income limits of $600,000, at 50% coinsurance with a 5% earthquake deductible, respectively. The business income form is CP 00 30 10 12 Busienss Income (And Extra Expense). 

The Claim: