"We had literally just laid down a new floor over the existing floor, and it was ruined by the flood," she said.

The flooring in the kitchen area started to crumble, even though it was on a concrete pad. These were "big expensive repairs," Cordisco said.

"Within a 20 month period, we had a flood at Atwood, a fire at Atwood, which closed it down. And we had a flood in Middleton and just couldn't recover from it," she said. "I wish it were different, but that's what I'm up against."

Both locations were properly insured, but what Cordisco expected to get from the claim, didn't match up with what it actually paid out.

"We had done very thorough inventory in both locations," she said. "It's just been my experience that even when you're properly insured, insurance does not make you whole."

The delay in the payout also greatly impacted her business, she said. "As we were waiting for payouts from the insurance company, we just dug ourselves into a cash flow hole."

Before opening her two Chocolaterian Cafes, Cordisco had a wholesale business, Christine's Toffee. That's going away with Chocolaterian's closing, too, she said.