It is important to review your policy very carefully to make sure your claim is legal, and to read appeal protocol. An experienced business overhead insurance lawyer can help you interpret your policy and confront the insurer on unfair insurance practices. Depending on your situation and the exact wording of your policy, you may be able to file a lawsuit based on breach of contract, breach of the implied covenant of good faith and fair dealing (bad faith) and under some circumstances infliction of emotional distress and fraud.