In a trial court in Michigan, the Court found that business interruption losses for loss of use of property was not recoupable under a policy that covered “physical loss or damage.” See, https://www.jdsupra.com/legalnews/michigan-judge-denies-coverage-for-20399/
The standard ISO policies contain similar langue. Thus, I do not anticipate these cases making it out of the pleadings stage absent different policy language.