The Intent:

You have suffered a fire, flood, shutdown, or other insured event and want to be compensated fairly for what the business actually lost, not just what is easiest for an insurer to measure.

How I solve it:

I apply the 25 Factors Affecting Business Valuation to identify lost income, lost market position, and disruption to operations. I focus on Factor #4: Return on Investment, Factor #14: Client Base, Factor #6: Utility, Sustainability, and Scalability, and Factor #24: Risk.

The 5 Senses Inspection Report documents how operations, staff behavior, customer flow, and physical condition changed before and after the event, providing real-world evidence of interruption beyond accounting records.

Experience:

Insurance losses are routinely understated when valuators rely only on historical averages. After 10–15 years of reviewing post-loss businesses, it becomes clear how quickly customers drift, staff disengage, and brand trust erodes.

Recognizing these secondary losses requires lived operational experience, not just policy interpretation. See my “Experience” link.

The Result:

You receive a business interruption calculation that reflects true economic loss, not just mechanical formulas.

The Intent:

You want to know whether the damage goes beyond physical assets and whether long-term loss of value can be claimed.

How I solve it:

I use the 25 Factors to distinguish temporary interruption from permanent value impairment. Factor #11: Future Business Outlook, Factor #14: Client Base, Factor #18: Marketing and Brand, and Factor #24: Risk are critical in determining whether value has been permanently damaged.

The 5 Senses Inspection Report provides observable evidence of reputational damage, customer hesitation, and operational instability that may not reverse quickly.

Experience:

Experience shows that insurers often focus narrowly on repair timelines while ignoring lasting damage. After years of watching businesses struggle long after reopening, it becomes clear that value loss is real and measurable.

This insight allows claims to be framed accurately and credibly. See my “Experience” link.

The Result:

You gain a defensible position on whether lost business value should be included in the claim and how to support it.

The Intent:

You want lost profits calculated fairly, without being accused of speculation or exaggeration.

How I solve it:

I apply the 25 Factors Affecting Business Valuation to establish normalized earnings prior to the event and realistic recovery trajectories afterward. Factor #4: ROI, Factor #11: Future Outlook, Factor #24: Risk, and Factor #25: Opportunity guide this analysis.

The 5 Senses Inspection Report confirms operational disruption, staff displacement, customer behavior changes, and physical constraints that affect recovery speed.

Experience:

Lost profit claims fail when they ignore how businesses actually recover. After years of seeing overly optimistic recovery assumptions rejected, it becomes clear that credible claims reflect real operational friction.

That realism comes only from experience. See my “Experience” link.

The Result:

You receive a lost profits valuation that insurers, adjusters, and courts are more likely to accept.