Insurance coverage in disaster zone - asheville/swannanoa/black mountain

[Pranav Parikh]

Hi everyone, I have a property in Swannanoa that was affected by the hurricane. I have Proper insurance, tailored to short term rentals. As many STRs in the area, I have been dealing with cancellations and loss of revenue and will likely to do so for the forceable future. The damage to the property can be handled over the next several weeks (large tree on roof, landscaping destroyed), though it is unclear when we will regain power and water (potentially weeks beyond repair?). I also don't know if there is damage to the roof until I clear away the massive tree. I was told by my insurance agent that a % of loss of revenue can only be covered by insurance until the property damage is fixed, which could pre-date the return of essential utilities. I still cannot rent this property without essentials like water/power despite the repairs.  Has anyone dealt with this with their insurance company? Does anyone know of stipulations that relate to natural disasters? I realize that this is likely specific to Proper insurance as most insurance plans don't even offer commercial coverage. 

My thoughts and prayers to all those affected. I sure am glad to see the communities come together to help each other.