Business Interruption Insurance Claims
Independent Calculations for Time Element Losses
When a business is disrupted by fire, flood, or other covered event, the financial impact must be measured accurately and independently. We work with insurance carriers, adjusters, and forensic accounting teams to calculate lost profits and extra expenses under business interruption policies.
Our role is to evaluate the insured’s financial records, develop a timeline of the loss period, and deliver a clear, supportable calculation of the claim amount. We provide this work objectively and in alignment with policy terms, regulatory expectations, and established financial methods.
What We Provide
Common Business Interruption Needs
Lost Profits Calculations
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- Before-and-after financial comparisons
- “But-for” earnings models
- Adjustments for seasonality, growth, and market conditionsExtra
Expense Analysis
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- Identification of incremental costs required to minimize loss
- Segregation of ongoing vs. extraordinary expenses
- Timing-based allocation of fixed and variable costs
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Claim Documentation Support
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- Request and review of relevant financials, payroll records, tax filings, and lease agreements
- Reconciliation of financial reporting periods to policy terms
- Collaboration with insured, broker, and claim team
Claim Review & Dispute Support
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- Second opinions on insured-prepared or consultant-prepared claims
- Clarification of unsupported or excessive assumptions
- Summary reports for internal file support or resolution strategy
Business interruption claims require precise, policy-aligned calculations. We understand:
- The expectations of the carrier and reinsurer
- The difference between insured loss vs. economic loss
- The importance of neutrality and clarity in disputed claims
- The need for speed in claim resolution environments
We also work with insureds and their advisors when appropriate, especially in contested or large-loss scenarios.
Need Help Calculating or Reviewing a Claim?
If you’re managing or reviewing a business interruption insurance claim and need objective financial support, we can help you resolve it efficiently and credibly.
Email or call Zach to discuss your needs
zgilbert@royer-cpa.com | 207-956-6729
