Natural disasters, lightning storms, wind storms, and overloaded power grids are the most common causes of outages. Depending on your commercial or homeowner’s insurance policy, you may have coverage that protects you against utilities losses that occurs onsite and may provide for additional living expenses such as housing and food for a homeowner and for business it may provide for an additional working facility. It’s a good idea for business owners to learn if their policy covers an business interruption losses. Power outage claims are sometimes difficult to navigate because businesses generally experience operational interruptions more than direct physical damage. When your company experiences a power outage, it’s important to determine the interruption-related losses with the help of a public insurance adjuster.