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Beyond Repairs: Mastering Hotel Business Interruption Claims

By February 12th, 2024No Comments


In the hospitality industry, property damage can trigger a cascade of operational and financial hurdles, especially when it comes to intricate business interruption claims. For hotel owners and operators, navigating this terrain demands more than just a focus on physical repairs. Let’s dive deeper into how United Public Adjusters & Appraisers, Inc. addresses these multifaceted challenges.

The Tangled Web of Business Interruption Claims

Post-property damage, hotels often wrestle with reduced occupancy and heightened guest complaints. The real test, however, lies in the ensuing business interruption claim. These claims are not just about counting losses but understanding the nuanced financial impact and the intricate play of insurance policies.

The Insurance Company’s Strategic Play

Insurance companies, with their cadre of accounting experts, often turn claim processing into a protracted battle. They dissect financial records, prolonging the process to minimize claim payouts. They scrutinize ongoing costs, challenge restoration timelines, and often overlook the complete spectrum of the hotel’s operational losses.

Our Expertise and Approach

At United Public Adjusters & Appraisers, Inc., our team of seasoned public adjusters and in-house CPAs specialize in such complex scenarios. We don’t just handle claims; we delve into the intricacies of each hotel’s specific situation. Our approach includes:

  • Comprehensive Claim Handling: We manage various claims including those resulting from water, fire, storm, and construction-related damages.
  • Detailed Policy Review: Our experts meticulously review hotel policies, assessing coverages like officer and skilled hourly employee payroll, and extended business interruption coverage, which is crucial post-repair when revenue is yet to normalize.
  • No Recovery, No Fee: Our commitment is risk-free for our clients. We only succeed when you do.
  • In-House CPA Expertise: Our CPAs play a vital role in accurately quantifying losses and preparing robust business interruption and extra expense claims.

Crafting a Strategic Claim

Understanding and leveraging policy nuances, we prepare claims that reflect the real economic impact. We factor in elements like officer payroll and the critical period of extended business interruption. Our comprehensive documentation ensures no aspect of the claim is overlooked.

Covering Payroll with Business Interruption Insurance

A significant aspect of business interruption claims is the coverage of payroll. This insurance can be a lifeline for hotels that need to shut down temporarily but wish to retain their employees. By using business interruption insurance to cover payroll, hotels can avoid the costs associated with training and hiring new staff upon reopening, preserving the invaluable human capital essential to their operation.


Navigating a business interruption claim in the hotel industry is a complex affair, requiring more than surface-level understanding. United Public Adjusters & Appraisers, Inc. brings a blend of expertise, strategic insight, and comprehensive service to guide hotel owners through these challenging times. If your hotel is confronting the aftermath of property damage, let our experts shoulder the burden of your claim, ensuring a fair and timely resolution.

Ready for Expert Claim Management?

Contact United Public Adjusters & Appraisers, Inc. for unparalleled assistance and advocacy in your hotel’s business interruption claim.

  • Phone: 1-800-718-5677 (LOSS)
  • Email:
  • Website:


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