Business Interruption
Available in Florida, Illinois, and Wisconsin
Expert public adjusting for business interruption and commercial loss of income claims. We quantify lost revenue and ensure carriers pay what your policy promises.
Understanding Business Interruption
When property damage forces your business to close or reduce operations, the financial impact extends far beyond repair costs. Business interruption coverage is designed to replace lost income, cover continuing expenses, and fund temporary relocation. These claims require forensic accounting, revenue projections, and meticulous documentation that most business owners cannot prepare alone.
Common Damage We Document
- Lost revenue during the closure period
- Continuing fixed expenses (rent, payroll, insurance)
- Extra expense for temporary operations
- Supply chain disruption costs
- Customer loss and reputational damage
- Extended business income period losses
- Contingent business interruption from supplier damage
- Civil authority access restrictions
Why Business Interruption Claims Are Under-paid
Insurance carriers use specific strategies to minimize payouts on business interruption claims. Here's what to watch for:
- Carriers challenge revenue projections by cherry-picking lower-performing periods
- The "period of restoration" is defined narrowly, cutting off income recovery prematurely
- Extra expenses for temporary operations are scrutinized and partially denied
- Carrier accountants reduce continuing expense claims by reclassifying costs
- Contingent business interruption (supplier/customer impact) is often excluded or contested
How Liberty Can Help
We combine property-damage expertise with financial analysis to build business-interruption claims that withstand carrier audits. Our team prepares detailed revenue projections, documents continuing expenses, and calculates the true period of restoration—not the artificially shortened timeline carriers prefer. For complex commercial claims, we coordinate with forensic accountants.
Time-Sensitive
Begin documenting lost income and expenses immediately after the loss event. Detailed records from day one strengthen your claim significantly.
State-Specific Information
Florida
Florida businesses face unique BI challenges after hurricanes, including prolonged civil authority closures and supply-chain disruptions. Our adjusters document the full economic impact, including extended restoration periods common in post-hurricane recovery.
Illinois
Illinois commercial properties—especially in the Chicago metro—face BI claims from severe weather, fire, and infrastructure failures. We understand the financial complexity of urban commercial claims.
Wisconsin
Wisconsin businesses affected by winter storms, flooding, and fire events can claim business interruption coverage. Our adjusters prepare financial documentation specific to seasonal revenue patterns common in Wisconsin industries.
Our Business Interruption Claim Process
Free Claim Review
Contact us for a no-cost evaluation of your business interruption claim. We'll review your policy and assess your situation.
Property Inspection
Our team conducts a thorough on-site inspection using drones, thermal imaging, and forensic documentation tools.
Claim Preparation
We prepare a comprehensive claim package including detailed damage estimates, photographic evidence, and policy analysis.
Carrier Negotiation
We negotiate directly with the insurance company, presenting evidence that supports the maximum settlement under your policy.
Settlement & Recovery
We secure your settlement and ensure all covered damages are included. Our fee is only collected after you are paid.
Real Results for Real People
Our clients consistently recover significantly more than the insurance company's initial offer. Here's what they have to say.
Ready to Get Started?
Schedule a free estimate with us today!