Business Interruption Claims
Specialized representation for lost income, business interruption, and extra expense insurance claims
10+
Years Experience
$100M+
Claims Recovered
5,000+
Claims Handled
Licensed
Bonded & Insured
The True Cost of Business Interruption
When property damage forces your business to close or operate at reduced capacity, the financial impact extends far beyond physical repairs. Lost revenue, continuing expenses, employee retention costs, customer loss, and market position erosion can exceed property damage costs by 300–500%. Yet insurance companies routinely minimize business interruption claims, using complex calculations, disputed time periods, and aggressive tactics to underpay the coverage you purchased.
Business interruption claims are the most frequently disputed coverage in commercial insurance. Insurance companies hire forensic accountants and business consultants whose sole purpose is minimizing your claim. They dispute projected income, claim you could have reopened sooner, refuse to cover reasonable period extensions, and use technical policy language to deny coverage. Without expert representation, businesses settle for pennies on the dollar—if they survive at all.
Whether you operate a restaurant, hotel, or retail store, an industrial or warehouse facility, a medical practice or office building, or manage a condominium or community association, business interruption losses can dwarf the physical damage. We ensure every dollar of lost income and extra expense is documented, calculated, and recovered.
Lost Income Coverage
- • Net income and profit loss calculation
- • Continuing operating expenses
- • Projected revenue vs. actual income
- • Seasonal business adjustments
- • Growth trend projections
- • Period of restoration determination
Extra Expenses
- • Temporary relocation costs
- • Equipment rental and leasing
- • Expediting expenses for faster reopening
- • Additional labor and overtime
- • Marketing to regain customers
- • Professional fees and consultants
Business Interruption Claim Process
1. Financial Analysis
We analyze your financial records, profit and loss statements, tax returns, and business trends to establish baseline income and project losses accurately.
2. Period of Restoration
We work with contractors and engineers to determine realistic repair timelines, accounting for permit delays, material availability, and contractor scheduling—not insurance company wishful thinking.
3. Extra Expense Documentation
We track all extra expenses incurred to minimize business interruption or expedite reopening, ensuring every dollar spent to mitigate losses is claimed and recovered.
4. Claim Presentation & Negotiation
We prepare comprehensive business interruption claims with supporting financial documentation and negotiate aggressively to secure maximum recovery for your income losses.
Coverage Types
Dependent Properties
Coverage for income loss when suppliers, manufacturers, or customers are damaged—preventing your business from operating even though your property is undamaged. Insurance companies routinely deny these claims; we prove causation and secure coverage.
Civil Authority
When government orders prevent access to your property after nearby damage, civil authority coverage pays for income loss. We document government orders, establish coverage triggers, and maximize civil authority claim periods.
Extended Period of Indemnity
Even after reopening, businesses often need time to return to pre-loss income levels. Extended period coverage continues BI payments during this ramp-up period. We document customer loss and prove extended period necessity.
Common Business Interruption Disputes
- •Period of restoration: Insurance companies claim you should have reopened faster than was realistically possible
- •Revenue projections: Insurers dispute your projected income, claiming business was declining or seasonal adjustments apply
- •Continuing expenses: Companies try to exclude legitimate continuing expenses from loss calculations
- •Extra expense reasonableness: Insurance companies claim extra expenses weren't necessary or reasonable
- •Dependent property coverage: Insurers deny coverage when suppliers or customers are damaged claiming no direct impact
Related Commercial Claim Services
Frequently Asked Questions
What Our Clients Say
"Corbitt absolutely rocks. No hype. If they say the insurance company is wrong, trust them. A huge tree had fallen on our home and our detached garage, fences broken at multiple posts, interior and structural damage. Our settlement went the distance — appraisers, an umpire, and some shady behavior from our insurance company. In the end, Corbitt delivered a great settlement that will actually allow us to make the needed repairs. Katie was fantastic all the way. Outstanding job all around."
Michael J.
"Corbitt Public Adjusters are absolutely dynamic. We were totally stressed out with our insurance company trying to get them to pay our claim. Until we hired Corbitt Public Adjusting, our situation drastically changed. They started working on our claim immediately. They work honestly, tirelessly and relentlessly for their clients. We no longer had to deal with any more issues. They took care of everything. Our only regret was we didn't contact them immediately. We will recommend Corbitt Public Adjusters to our family and friends."
Mary S.
"Outstanding service — Corbitt Public Adjusting went above and beyond. When my insurance company unfairly denied my roof replacement claim, I felt completely overwhelmed. Miles and Katie stepped in and truly became my advocates. They were incredibly knowledgeable, professional, and relentless in fighting for what was right. Their professionalism, persistence, and genuine care turned a stressful situation into one with a successful outcome. Thanks to their hard work, my claim was finally approved."
Cheryl H.
Related Resources
Don't Settle for Less Than You Deserve
If your home or business has suffered damage, our team is here to guide you through every step of the insurance claims process. No matter the extent of the loss or the complexity involved, we work diligently on your behalf to secure a fair, timely, and fully supported resolution. From start to finish, we manage the entire claims process for you—ensuring you receive the full compensation your policy provides.