Insurance Recovery & Business Interruption Claims Support
REQUEST A CONSULTATION TODAYWhen a covered event disrupts business operations, the financial impact can be significant, complex, and difficult to document. Whether the loss involves property damage, natural disaster, cyber incident, equipment failure, supply chain disruption, or another insured event, policyholders need clear financial analysis to support their claim and move toward recovery.
Reid Forensic & Valuation Group provides forensic accounting and financial analysis to help policyholders, attorneys, insurance brokers, and public adjusters quantify business interruption losses, extra expenses, lost profits, and related financial damages.
Our professionals analyze pre-loss and post-loss financial performance, evaluate supporting documentation, and prepare clear, defensible findings that help support the claim process, settlement discussions, and, when necessary, litigation or dispute resolution.
WHEN YOU NEED INSURANCE RECOVERY SUPPORT
Attorneys, Policyholders, Brokers, and Public Adjusters Rely on Our Insurance Recovery Services For
Business Interruption & Loss of Business Income Analysis
Quantifying lost income and related financial losses resulting from an insured operational disruption. We determine the net income the business would have generated during the period of interruption, but for the insured event, providing a clear and well-supported assessment of the resulting loss. We also leverage our experience to present and substantiate these claims to insurance carriers and negotiate with their representatives to achieve a fair and well-supported resolution.
Extra Expense Analysis
Evaluating additional costs incurred to continue operations, reduce downtime, or mitigate the impact of the loss.
Cyber Incident and Operational Disruption Claims
Analyzing lost revenue, increased costs, and operational disruption resulting from cyberattacks or technology-related interruptions.
Third-Party Litigation Involving Business Interruption
Quantifying financial losses caused by another party’s actions, including contract disputes, negligence claims, construction delays, or other business disruptions.
Lost Profits Analysis
Measuring the profits a business would have earned but for the interruption, using historical financial data, industry benchmarks, and economic factors.
Property Damage-Related Business Losses
Assessing the financial impact of fire, flood, natural disaster, equipment failure, or other property-related events.
Disputed Insurance Claims
Providing independent financial analysis when there is disagreement over the scope, amount, or documentation of a claimed loss.
Claim Documentation Support
Helping organize and analyze financial records, supporting schedules, and loss calculations needed to substantiate a claim.
Our Insurance Recovery Services
- Business interruption & Loss of Business Income Analysis
- Lost profits analysis
- Extra expense analysis
- Continuing expense analysis
- Pre-loss and post-loss financial performance review
- Revenue, margin, and cash flow analysis
- Financial model development
- Review of financial statements, tax returns, accounting records, and operational data
- Claim documentation and schedule preparation
- Support for policyholder counsel, insurance brokers, and public adjusters
- Rebuttal analysis of opposing or carrier-side loss calculations
- Expert report preparation and testimony, when needed
Our Methodology
We review historical financial performance, revenue trends, expense patterns, gross profit margins, mitigation efforts, and post-loss activity to develop a clear picture of how the event affected the business.
Our analysis may include:
- Comparing pre-loss and post-loss revenue trends
- Evaluating lost sales, reduced margins, and increased costs
- Reviewing payroll, rent, utilities, vendor costs, and other continuing expenses
- Analyzing whether extra expenses were reasonable and related to the interruption
- Preparing financial models to quantify lost income and recovery periods
- Developing clear schedules and supporting documentation for the claim
- Collaborating with counsel, brokers, public adjusters, and business owners throughout the process
Our Approach
Clear, Defensible Financial Analysis
We translate complex financial data into organized, well-supported findings that can be used in claim submissions, settlement discussions, mediation, arbitration, or litigation.
Support for Attorneys and Claim Professionals
We work closely with policyholder counsel, insurance brokers, public adjusters, and business owners to align the financial analysis with the claim strategy and documentation requirements.
Forensic Accounting Expertise
Our professionals understand how to analyze financial statements, accounting records, revenue trends, expense patterns, and supporting documentation in complex loss matters.
Practical, Business-Focused Insight
Insurance recovery is not just about calculating a number. It requires understanding how the business operated before the loss, how the disruption changed operations, and what financial evidence supports the claim.