Business Interruption Claims
A business interruption claim recovers lost income and extra expense when a covered property loss forces a business to suspend or reduce operations.
Business interruption is the claim type most often undervalued, because it depends on financial records and forecasting rather than physical damage alone. Continental Adjusters quantifies these claims using an in-house forensic accounting team rather than outsourcing the analysis, working from the policyholder's own financial statements to build a defensible lost-income calculation the insurer can't easily dismiss. This applies whether the interruption comes from direct physical damage, a supply-chain disruption at a supplier's location, or a civil authority order restricting access to the property.
Business Interruption Claim Types
Lost Business Income
Quantifies revenue lost while operations are suspended or reduced after a covered loss.
Extra Expense Claims
Recovers the added cost of operating from a temporary location or expediting repairs to resume operations.
Contingent Business Interruption
Covers losses caused by damage at a supplier's or customer's location rather than the policyholder's own property.
Civil Authority & Ingress-Egress Claims
Handles claims where a government order or blocked access prevents normal business operations.
Rental & Lease Income Loss
Recovers lost rental income for property owners whose tenants cannot occupy a damaged space.
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Why Continental Adjusters
25+ Years, $4B+ Recovered
Continental Adjusters LLC has represented commercial policyholders for more than 25 years and collected over $4 billion in settlements nationwide.
Policyholder-Only Representation
Continental Adjusters never represents insurance carriers and holds no financial interest in repair work tied to any claim it handles.
In-House Forensic Accounting
Continental Adjusters quantifies business interruption and lost-income claims using its own forensic accounting team rather than outsourcing the analysis.
Full-Service Claim Support
Continental Adjusters carries a claim from initial inspection through negotiation, and into appraisal, umpire proceedings, or expert witness testimony if the claim is disputed.
No Upfront Cost
Continental Adjusters works on a contingency basis, so a policyholder pays nothing until the claim is recovered.
How It Works
Free Claim Review
Continental Adjusters reviews the policy and loss details at no cost to determine whether the claim is being fairly valued.
Property Inspection & Documentation
A Continental Adjusters representative inspects the property, documents the damage, and brings in engineering or trade experts where the loss requires it.
Loss Valuation
Continental Adjusters prepares a detailed repair and replacement cost valuation, and, for business interruption losses, a forensic accounting analysis of lost income.
Claim Submission & Negotiation
Continental Adjusters submits the documented claim to the insurer and negotiates directly on the policyholder's behalf.
Settlement or Escalation
Continental Adjusters closes the claim at settlement, or, where the insurer disputes the value, moves it to appraisal, umpire proceedings, or litigation support.
Business Interruption Claim Costs
Continental Adjusters works on a contingency-fee basis in most engagements, so a policyholder pays nothing upfront. The fee is a percentage of the amount recovered, and Continental is only paid once the claim is recovered. Fee structures and statutory caps vary by state; see the relevant state resource page for specifics.
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