Insurance loss of income

[Denise Harmening]

Hi everyone!

I posted in December about our pipes freezing due to negligence by our rental company. Our heat also went out. Fast forward and we have been dealing with claims and insurance coverage for the repairs. It's been a nightmare to say the least. Anyways our policy with Farm Bureau includes $5000 per month lost income. We had a management company when the issue happened but had given them notice that as of January 4th we would take over management. We planned to paint and redo the floors then post as self managers. Now our insurance company is telling us we can only get reimbursed for bookings that were on the books. Our damage happened between Christmas and New Years which was before we took over so we had no one on the books because we hadn't posted it yet. So now the insurance is saying we get nothing except what was already booked. We know we were booked through January 3rd but the management company has ghosted us so we don't even know how much those bookings were. We would have had bookings in February and March but we never had the chance to book. 
My question is, do you think the insurance company should be legally obligated to pay for lost income considering we were planning to list it for rent? I plan to ask the insurance company for the detailed policy language. We just found out today that they are saying we won't get anything. Thank you in advance for any replies.