When a commercial property is damaged, the repair bill is only half the loss. The other half is the income the business stops earning while it is closed or operating at reduced capacity, and that is what business interruption coverage is for. It is also the part of a commercial claim most owners under-document and most carriers under-pay.
Business interruption is a calculation, not a photograph. It requires financial records, a defined period of restoration, and a credible projection of what the business would have earned but for the loss. Built properly, it is often the largest single component of a commercial claim.
What decides a business interruption claim in Florida.
Period of restoration
Coverage runs for the time it reasonably takes to restore the property, not just the time it actually takes if the carrier drags repairs out. Defining and defending that period is central to the claim.
Lost income, extra expense, and loss of rents
The claim includes net income the business would have earned, the continuing expenses that run regardless, the extra expense of operating during repairs, and, for landlords, the rents lost while units are unusable. Each requires its own documentation.
It is built from financials, not guesses
A defensible business-interruption claim is assembled from profit-and-loss statements, tax returns, and forward projections, often with a forensic accountant. Carriers exploit weak documentation to pay a fraction of the real loss.
What the carrier will try on a business interruption claim.
- —Understating the period of restoration to shorten the payout.
- —Paying lost income but ignoring extra expense and loss of rents.
- —Disputing projections without engaging the actual financials.
- —Pressuring a fast, low settlement before the full loss period is known.
We Build Your Claim The Way Ford Built The Assembly Line.
Henry Ford didn’t try to be the expert at everything. He surrounded himself with specialists, each mastering one part of the work, and assembled the result into something no individual could build alone. We document claims the same way. For a serious loss, one adjuster’s opinion is not enough, so we bring in the right specialists, pull a full report from each, and assemble them into a claim the carrier cannot dismiss.
Building Consultants
Read the structure and the code the way an insurer’s engineer does, so nothing covered gets left out of scope.
General Contractors
Real-world repair pricing and sequencing that holds up when the carrier questions the cost to rebuild.
Structural Engineers
Independent reports on causation and structural damage that carry weight the carrier can’t wave off.
Professional Estimators
Line-item Xactimate estimates built to the same software and standards the carrier’s own adjuster uses.
Contents Specialists
Full inventory and valuation of damaged personal property and business contents, item by item.
Water & Mold Testing
Moisture mapping, thermal imaging, and lab testing that prove the source, the spread, and the cause of loss.
We don’t send an adjuster. We send a team.
These specialists are independent third-party professionals brought in for documentation and evidence purposes. CCG does not perform repair work and holds no financial interest in any repair or remediation contract.
Business Interruption claims: what Florida property owners ask.
What does business interruption insurance actually cover?
Generally the net income your business would have earned during the period of restoration, plus continuing expenses, the extra expense of operating during repairs, and, for property owners, loss of rents. It is designed to put the business in the financial position it would have been in without the loss.
How is a business interruption claim calculated?
From your financial records, profit-and-loss statements, tax returns, and forward projections, measured against the period it should reasonably take to restore the property. It is a documented calculation, which is why weak records lead to underpaid claims.
The carrier says my closure was too short to matter. Is that right?
Not necessarily. The claim runs for the reasonable period of restoration, and it includes extra expense and continuing costs, not just the days you were fully closed. We define and document that period rather than accept the carrier's shortened version.
Do I need an accountant for this?
For a serious loss, yes, a forensic accountant strengthens the projection and the documentation considerably. Coordinating that specialist is part of how we build the claim.
General information only, not legal advice or a coverage determination. Coverage depends on your specific policy, the facts of your loss, and current Florida law.
Denied, underpaid, or already closed? Florida law may still give you time to reopen a business interruption claim.
Have a business interruption loss? Start with a free review.
James reviews every submission personally and responds within 24 hours. No obligation, and no fee unless we recover for you.
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