Deerfield Florida
Deerfield Florida
Melbourne Business Interruption Claims Adjuster

Melbourne Business Interruption Claims Adjuster

An upward shot of the facade of a building damaged by a tropical storm.

Whether it happens for a few days or a few months, any temporary closure of a business is bound to significantly affect its ability to generate revenues. These gaping holes in income could threaten to sink the business before it ever has the chance to reopen, which is why having business interruption insurance is so important.

Unfortunately, insurance carriers can make it extremely challenging to retrieve all the benefits you would expect from your policy. There are a myriad of clauses and exemptions to understand, and the insurer will want to scrutinize your records closely to justify payment for any expense or expected profit.

Dealing with adjusters hired by the insurance company during a business interruption claim can be quite a challenge, but you can hire a public adjuster to represent your own interests and file the strongest claim possible. A business interruption claims adjuster’s sole goal is to ensure that you are able to do everything you can to get the insurance benefits you need to get back on your feet once more.
If you are grappling with a forced closure or tangled up in a complicated claim with an insurance company, reach out to an experienced business interruption insurance claims adjuster to get the help you need. You can schedule an appointment at any time with a professional, licensed Melbourne public adjuster near you when you call 954-466-2954 or contact us online.

How You Can Benefit From Our Melbourne Business Interruption Claims Adjuster Services

Tackling a property damage claim after a disaster event is challenging enough on its own. On top of that, business owners will be reeling from the loss of income that they may face when they’re business is still unable to re-open.

They may be eligible for business interruption benefits under their business owner’s policy, but how much do they qualify for? And how do they ensure that they are able to retrieve all of that critical cash?

Pinnacle Claims Services steps in to rescue you from this situation. Your public adjuster works solely for you and is motivated to get you the highest settlement possible for all of your losses, including those connected to loss of revenues and other expenses.

In many cases, you can have far more coverage than you realized to help keep your business afloat. The only challenge is determining what you could be owed and properly documenting your claim so that the insurer will accept it.

Our Melbourne public adjusters have spent years handling claims like yours, including those seeking benefits after a business interruption event. Claimants often feel stressed, frustrated, and anxious about their ability to receive the benefits they are so adamantly counting on.

By working with an adjuster, you can not only reduce your stress but also get help assembling all the documentation needed to help the insurer process your claim.

When you retain our business interruption claims adjuster services, you can expect that we will be able to:

  • Review your insurance policy information to see what is covered, what benefits are available, and what proof of loss and income you will need in order to satisfy the claim processing requirements.
  • Review your financials, income, and loss statements to help you project an accurate revenue amount you would have earned and be prepared to justify this number, along with your necessary operating expenses, to the insurer.
  • Assist with preparing and submitting a claim so that you know what to expect and you have all of the information and documentation needed for your claim to be accepted.
  • Help you understand any objections, requests for information, or reasons for denial so that you can potentially follow up with more documentation or an appeal in order to seek the full amount of money you need.
  • Advocate and help negotiate on your behalf using our years of experience in handling claims and interacting with insurers.
  • Advise on steps to take next after your claim is closed, help you improve your documentation methods, review options for adding coverage that could have helped, and even determine risk management strategies that could potentially reduce your losses in the future.

What Does Business Interruption Insurance Typically Cover?

Typical business interruption policies kick in after a natural disaster, fire, criminal break-in, or other event causes physical damage to a property to the extent that it is forced to close temporarily.

What’s key is that the business interruption must involve physical damage to the property itself, and this damage must completely negate the business’s ability to re-open. Events like pandemic closures are, unfortunately, a common exemption because there’s no actual damage and no physical barrier to the business opening (aside from the risk of infection to staff and customers).

Most business interruption policies contain specific clauses regarding the events that could invoke the coverage, what types of costs and revenue losses are covered, and the exact window that the policyholder is eligible for reimbursement. 

Review your policy closely to understand how your coverage applies and what benefits you could be entitled to receive. A public adjuster can assist you and help you document and submit your claim.

Examples of Business Interruption Events That May Be Covered

With most policies, any event that causes physical damage to a property that is key to the business’s operation can trigger business interruption coverage.

Common examples of an event that would qualify may include:

  • Hurricane
  • Windstorm
  • Lightning, fire damage, and smoke damage
  • Vandalism, arson, or other criminal activity that causes sufficient damage to force a closure

Events that may NOT be covered include:

  • Glass breakage without any other damage to necessary spaces or equipment
  • Government-mandated closures for a pandemic, virus, bacteria, or communicable disease
  • Flooding, earthquakes, and other events are covered by a special policy
  • Partial closures that allow the business to earn income in a reduced capacity
  • Closure stemming from a loss of external utilities, such as electricity, water, or gas

How Long Can Business Interruption Cover My Expenses and Revenue Losses?

The average business interruption policy provides coverage for at least 30 days. This period can be optionally extended, in most cases, to a maximum of 12 months.

Note that many policies feature a mandatory waiting period before benefits can be claimed, which is typically 48–72 hours. Many policies allow you to claim losses incurred during this period, whereas others force the period to go uncovered.

What Expenses, Income, and Other Aspects Are Covered by Business Interruption Insurance?

An important concept to note is that business interruption insurance is intended to help business owners bridge the gap between their forced closure and re-opening. As such, it’s intended to provide replacement of revenues for the following coverage areas:

  • Rent, lease, or mortgage payments
  • Employee payroll
  • Payments on business loans
  • Costs associated with relocating permanently or opening in another location temporarily
  • Payments that would have been made for regularly incurred taxes, such as sales taxes or quarterly tax payments
  • Profits the business reasonably could have been assumed to have earned during the coverage period

What’s important about all of these aspects is that they must be documented. That means you must have your income sources accounted for so that the insurer can reasonably understand what you could have been likely to have earned during the period.

Further, you must also have each expense well-documented. It may seem redundant to require approval for both the income and the expense, as opposed to one or the other, but it is critical to prove that you would have normally encountered the expense as a course of daily operations, had you been open and running as normal.

The need to prove income and document other aspects of business operations is why providing paperwork for business interruption claims can grow so complicated so quickly. A public adjuster can assist you with gathering all the needed documentation and presenting it in the format the insurer expects in order to process your claim.

Common Coverage Areas for Business Interruption Insurance

Complicating matters further for business interruption claims is the fact that coverage often exists as a set of different policies, endorsements, and riders. Business owners should understand their policy so that they can know what aspects of business interruption are covered and what is needed to document a claim for benefits.

Common additional components of a business interruption policy can include coverage for:

  • Extended closure beyond the typical 30-day to 12-month window
  • Extra expense coverage for non-typical costs made necessary by the closure or required for re-opening
  • Service interruption coverage for closures related to loss of service of a vital utility, like electricity or water, in connection with a physically damaging event covered by the policy
  • Contingent business interruption coverage provides benefits for when another business is physically closed because of damage to its location, and this business’s operations are crucial to your own ability to function
  • Electronic vandalism coverage extends coverage to closures made necessary by a cyber-attack, ransomware, or other computer-related event.

Talk to a Melbourne Business Interruption Insurance Claims Adjuster to Know What You’re Owed

Insurance companies make it extremely difficult to understand the coverage available for your business interruption costs and loss of revenue. They make it even more challenging to submit a claim because of the lengthy documentation required.

Pinnacle Claims Services in Melbourne aims to make the process much easier and more likely to result in the benefits you need to get your business going again.
When you find yourself in a bind and are worried about risking it all, make the call that can put you back on the right track. Reach out to a Melbourne public adjuster about your business interruption claim when you call 954-466-2954 or contact us online.


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How can Pinnacle Claim Services, Inc. help me?

When disaster strikes, it can be difficult knowing where to turn or who to ask for help. Pinnacle Claim Services’ professional team of Florida public insurance adjusters and support experts are here to assist you throughout every step of your damage claim from emergency services and mitigation through final settlement.

Some of the most common issues people experience with insurance companies after property damage has occurred and a claim has been initiated include: unreasonable delay on the part of the insurance company, inadequate training of the insurance company’s adjusters and adjusters that are “so busy” that your claim gets zero attention and does not progress towards resolution. Additionally, you may not have the appropriate policy with the right type of coverage or limits.

There is no set time period for settling a property damage claim with an insurance company and each claim is different. You could receive a check in a few days or it could be a few weeks. Also, it may take multiple rounds of negotiations and payments for you to be adequately and justly compensated for your claim.

Absolutely not. Some companies do possess better reputations than others and there are some who consistently delay the process unnecessarily. It’s important that you comply with your “duties after the loss” (duty to mitigate etc.) Call us, we can help!

Trust Pinnacle Claim Services, Inc: Your Local Top-Rated, Licensed & Insured Public Adjusters in Melbourne!

Dale GorchoffDale Gorchoff
15:17 18 Jul 22
Positively amazing results from Pinnacle Claim Services. The diligence and professionalism from our exceptional adjuster and the superb support staff facilitated an unexpected outcome better than we could have ever imagined. Sincere thanks to everyone at Pinnacle for being there when we needed them. We would recommend Pinnacle for adjuster services without reservation.
Matida YoungMatida Young
09:10 07 Apr 22
The company done an outstanding job in getting a settlement for me. Without Brad and staff workingDiligently I would of got nothing. Brad PittmanPull the necessary sources to help me which IWill never forget. That is fighting for his clients.I was treated with respect and informed of everyDetailed steps in which I received more than 100%Satisfaction. There is no doubt in my mind I wouldUsed there service again again. And highly recommend my friends.
Denise AdamsDenise Adams
12:23 28 Mar 22
Thanks to Euton and Lori for all the help with my claim. They kept me informed continously check in with me regarding the claim. This company was awesome and I would and have been recommending Pinnacle claims to others. Great job.
Michelle TullochMichelle Tulloch
18:33 24 Mar 22
I would like to say thank you to the outstanding team working at Pinnacle . From start to finish. Special thanks to Linda who held my hand, listened to me getting impatient, stressed and overwhelmed. It was always service with a smile. She followed up with issues involving my claim as she said she would. Had an issue with payout and I was not happy. Brad jumped in and helped to further resolve the issue with the Insurance Company. Pinnacle is about you getting your correct settlement. I will definitely recommend to family and friends. Thank you Pinnacle family. I was truly blessed to have your firm represent me .
Tabitta MichelTabitta Michel
19:35 08 Feb 22
Thank You Linda.I was lost I did not know what to do with the issues I had with my claims with another company. And you took the time to help me find some answer I truly appreciate that. I would recommend my family and friends to the Pinnacle. A friend had referred me he was right.
Marie JacquesMarie Jacques
17:45 18 Aug 21
Everyone was professional.We initially started with Brad whom is very patient and attentive to every word and he extended our expectation. Miss Linda always so kind and respectful, she made sure we understood the process and always communicated every step.
Judy BJudy B
15:48 03 Jul 21
I can't thank Brad Pridemore of Pinnacle Claim Services enough for his help with our insurance claim resulting from hurricane related roof damage.Not knowing how the claim process worked and dealing with serious medical issues, it felt amazing to have someone on our sidethat is knowledgeable, worked for us and our best interest!After suffering a loss, most insurance companies give you the run around. Upon hiring Pinnacle Claim Services they immediatelygot to work on our case, communicating every step of the way. Our insurance company managed to drag it out for months,with a variety of moves intended only to delay, delay. None of the delays were Pinnacle's fault. In the end, Brad was able to get the insurance company to settle, we got a new roof and we couldn't be happier.Their fees are fair and we really appreciate all their efforts.If you find yourself in the situation that your home has been damaged, do yourself a favor and give Brad a call, you won't be sorry.Just remember, it can be a long process, but in the end it's worth the wait.I would highly recommend talking to and hiring Pinnacle Claim Services.Thank you Brad. You've been a lifesaver!
Javier GoodJavier Good
17:33 15 Feb 21
The team at Pinnacle Claims exceeded my expectations. Tom came in after my insurance company had settled a total of $9,829 for covered damages to my home, and he, Monica, Brad and Pat were able to get me another $15,530 after their fees, for a total insurance claim settlement of $25,359 so that I could fully repair the covered damages in my home the right way. They were very good at keeping me informed of the progress of the negotiated settlement, and educated me about the process and the law. Thank you Pinnacle Claims!!
Abigail BineyAbigail Biney
15:30 11 May 20
Pinnacle Claim Service, did a phenomenal job helping me with my roof claim, it was a long process but they were on top until the last .I can't thank them enough. Brad is some one who knows his job and does it well. They stay on top of everything and I don't have to tell them. Before you ask, it already done it. Thank you Brad, Any the way, I'll will recommend this Pinnacle to friends and Love ones.
About Us

Pinnacle Claim Services will request a copy of your policy, file the proper paperwork for you, put together a comprehensive estimate of damages and negotiate a fair settlement Do not become emotionally burdened. Do not be denied money for repairs you deserve. Rely on Pinnacle Claim Services to work on your behalf, keeping you informed throughout every step of the process to get every penny you deserve from the insurance companies.

Firm License # W806323