Defects in works briefly explained

Defects in buildings are not uncommon. Therefore, it is important to react in time in such a case and to assert any claims. But when is the right time and what claims can actually arise?

Gastronomy: Does the insurance company have to pay for closure due to Covid-19?

We run a catering business that had to be closed repeatedly due to Covid-19 measures. Part of the business insurance we have taken out is the hygiene insurance. However, our insurance company now refuses to pay any insurance benefits for the forced closure of the business. How can/should we proceed as a simple restaurant business in order to claim insurance benefits?