Business Interruption Claims Public Adjuster

When a fire, storm, or catastrophic event damages your commercial property, the physical destruction is only the beginning of your loss. The real financial damage often comes from the weeks or months your doors are closed. This is what Business Interruption insurance is for—to protect the lifeblood of your company when you cannot operate.

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Unfortunately, this is also one of the most complex and fiercely disputed parts of any insurance claim. The insurance company’s accountants will work to minimize your payout. Our job is to prove your true loss and win the settlement you need to survive.

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The Complexity of a Business Interruption Claim

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Recovering your full operational losses is not as simple as showing a few months of past profits. The insurance company will challenge every assumption and demand a level of proof that most business owners are not equipped to provide. Common points of dispute include:

• The "Period of Restoration": The insurer will want to limit the timeframe for which they have to pay. We fight to establish a realistic timeline that covers the entire period your business is impacted, from the date of the loss until you can return to normal operations.

• Calculating Lost Profits: We work with forensic accountants to project your income based on historical data, market trends, and saved expenses, creating an undeniable calculation of your true net loss.

• Extra Expenses: We meticulously document every extra expense you incur to keep your business afloat, such as renting a temporary location, outsourcing production, or paying overtime to get back up and running.

• Contingent Business Interruption: If a key supplier or customer was shut down by a disaster, impacting your business, you may have a valid claim that insurers often overlook.
   

 

Our Process: A Financial Fortress for Your Claim

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As your public adjuster, we become your dedicated financial advocate, managing the entire business interruption claim with expert precision.

1. Forensic Financial Analysis: We immediately team up with forensic accountants to analyze your financial records, sales forecasts, and market data. We build a bulletproof model of what your business would have earned had the disaster never occurred.

2. Meticulous Documentation: We track every dollar of your extra expenses and every piece of evidence related to your operational downtime. We leave no room for the insurance company to argue or undervalue your loss.

3. Policy Enforcement & Negotiation: We are experts in the fine print of business interruption coverage. We identify all available benefits in your policy and negotiate aggressively with the insurer’s accountants to ensure their settlement offer reflects your true, total loss.
    

 

Your Partner in Financial Recovery

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A physical damage settlement can rebuild your building, but a properly executed business interruption claim is what rebuilds your business. Whether your operations were halted by a fire, roof collapse, or any other covered peril, you do not have to fight this battle alone.

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Contact Friedman & Associates Public Adjusters for an expert review of your business interruption claim. We will find the money they left on the table.