the loss was charged to the contractor's carrier. your carrier actually made money, if your carrier paid for your loss.
the present situation will most likely fall under the government emergency action clause, which is super bucks to get a rider to cover, and 99% of policies do not have the rider.
interestingly, some old ho4 homeowners policies had the rider, and were honored, when the person had a business in their home and it was properly licensed by the municipal zoning authorities, meaning the person paid taxes for the exception zoning in order to conduct business.