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Originally Posted by old-fart
Insurance companies will look for any reason NOT to pay a claim. Unless they have specifically excluded pandemics, this could be an interesting case. Makes perfect sense to sue.
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From the wording of the release that appears to be the case, that there some some specific exclusion for pandemics or disease and the wording of the insurance policy seems to tilt specifically toward your traditional physical interruptions to use of sporting facilities like physical damage, noxious gases, etc.
The Flames are trying to argue that viruses are physical and can be inhaled and they should be paid out by their policy.
As others point out, it sounds like they had a standard business-interruption policy and those didn't typically cover pandemics and most lawsuits are failing in the states. Business interruption insurance covers losses of income only when there has been physical damage — such as from fire/food/smoke damage, etc. — but not when the premises remain unharmed. The wording of the Flames release seems to be arguing that the virus caused physical changes to the air, surfaces, and interior spaces to get around this.