Business Interruption Claims
When disaster strikes, physical damage is only part of the loss—lost income, disrupted operations, and halted production can cripple your business. At Valor Claims Solutions, we specialize in business interruption claims that help you recover lost revenue and stay operational during your toughest moments.
What Business Interruption Damage Really Looks Like
Business interruption isn’t just about closed doors—it’s about lost profits, missed deadlines, payroll strain, and ongoing expenses you’re forced to pay without incoming revenue. Whether it’s a fire, flood, storm, or vandalism, when your business is impacted, your insurance policy should cover more than just bricks and mortar. The longer you’re down, the more you lose—and we work to minimize both time and financial exposure.
Why Business Interruption Claims are Often Underpaid
Carriers frequently undercalculate lost income, delay evaluations, or apply restrictive interpretations of your policy’s coverage period. Without a proactive, detailed approach to documenting revenue loss, many businesses settle for far less than they’re entitled to.
Inaccurate or Delayed Income Calculations
Carriers may use outdated or conservative projections, failing to reflect seasonal trends, growth trajectories, or current contracts.
Disputes Over Period of Restoration
Insurers often argue for a shorter coverage period than the actual time needed to restore operations—leaving you with unpaid losses.
Failure to Account for Extra Expenses
Temporary locations, equipment rentals, expedited shipping, or overtime labor used to maintain partial operations are often omitted or under-credited.
Poor Documentation and Tracking
If lost sales, vendor delays, or canceled contracts aren’t tracked and tied directly to the covered loss, insurers use that as a basis to reduce or deny payment.
Our Business Interruption Claim Process
Business interruption losses are complex and time-sensitive. Our team builds a clear, defensible financial claim to ensure your business doesn’t just reopen—it recovers.
Coverage Review & Strategy
We analyze your policy language, endorsements, and exclusions to build a strong position from day one.
Financial Loss Evaluation
We work with your internal financial team or outside accountants to calculate accurate lost revenue, payroll expenses, and extra operational costs.
Claim Preparation & Submission
A detailed claim package is submitted, including comparative P&L reports, timeframes, and documentation of all efforts to mitigate loss.
Carrier Negotiation & Settlement Support
We negotiate directly with the carrier’s forensic accountants or adjusters and help finalize your settlement so you can stabilize operations and move forward.
Is Your Carrier on Vacation While Your Business Is On Hold?
Has your business suffered financially while waiting on your insurance carrier to catch up? Let Valor Claims Solutions handle the numbers, paperwork, and pushback so you can focus on rebuilding revenue.