United Public Adjusters & Appraisers Protects Your Revenue Not — Just Your Building—In Your Business Interruption Insurance Claim
Business interruption and extra expense coverage often represent the largest financial exposure in a commercial property claim—and the most aggressively disputed by insurers. If you think this cannot happen to you, think again: Across the nation, businesses lose tens to hundreds of billions annually from property damage, when indirect effects are counted, highlighting that business interruption losses often surpass physical repair costs, impacting sales, wages, and GDP (Gross Domestic Product). However, when disaster impacts your enterprise, you are not alone in your fight with your insurance carrier to achieve a just settlement, and to remain solvent until a satisfactory resolution is reached.
United Public Adjusters represents commercial policyholders in complex business interruption insurance claims that include extra expenses, ensuring that revenue losses, operational disruptions, and increased costs are fully documented, accurately valued, and properly recovered.
Why Business Interruption Claims Are Commonly Undervalued
Insurance carriers frequently minimize business interruption losses by:
- Artificially limiting the period of restoration
- Ignoring partial or reduced operations
- Underestimating the true revenue impact
- Excluding or challenging necessary extra expenses
- Applying narrow or unrealistic financial assumptions
Once these insurer-driven positions are accepted, recovery is often permanently reduced—even if the business has not fully recovered.
What Business Interruption & Extra Expense Claims May Include
Covered losses may extend well beyond a full shutdown and can include:
- Lost revenue and net profits
- Continuing fixed and operating expenses
- Payroll and employee retention costs
- Temporary relocation or alternate site expenses
- Expedited repairs, shipping, and logistics
- Increased costs of operations to maintain continuity
Proper identification and documentation of these items is critical to maximizing recovery.
How Does United Public Adjusters & Appraisers Help Business Stakeholders with Business Interruption Insurance Claims?
We work at the intersection of financial records, operational realities, and policy language to:
- Establish the true and defensible period of restoration
- Accurately document operational disruption and reduced capacity
- Properly capture and justify extra expense claims
- Prevent premature claim closure or underpayment
Our goal is to ensure the claim reflects the actual business impact, not the insurer’s most convenient interpretation.
When to Seek Professional Representation
Ideally, you should contact United Public Adjusters & Appraisers at the onset for a professional review if your business experienced:
- A partial or full shutdown
- Delayed reopening or extended recovery
- Reduced capacity or output
- Forced relocation or temporary operations
Early involvement is critical. Once insurer assumptions become fixed, reversing them is difficult—and often costly.
Summary
United Public Adjusters & Appraisers advocates exclusively for policyholders, ensuring business interruption and extra expense claims are handled with the financial rigor and strategic oversight they demand.
Request a Confidential Claim Review
If your business property has suffered a loss, early strategic involvement can materially change the outcome. Engage our experienced, professional, public adjusters before your business interruption insurance claims’ scope, timelines, or financial exposure are improperly constrained.
Contact United Public Adjusters & Appraisers Today
Learn how our licensed team can help maximize your business interruption insurance claim and secure the settlement you deserve.
Call: 800-718-5677
Visit: www.unitedpublicadjusters.com
About United Public Adjusters & Appraisers, Inc.
United Public Adjusters & Appraisers, Inc. is a nationally licensed public adjusting firm serving clients nationwide with a focus on complex, high-value property insurance claims. Headquartered in the Tri-State area, our team of adjusters, estimators, engineers, and advocates works exclusively for policyholders, not insurance companies, to document losses, defend coverage, and recover what’s rightfully owed.
Offices in NYC & Long Island | Serving Policyholders Nationwide
