ClaimCave

Business Interruption

Lost income claims

The Hartford underpaid my restaurant's business interruption claim by $137,000 after a kitchen fire closed us for 8 months in Ohio, projecting our "lost earnings" off the two worst quarters we ever had and cutting off the period of restoration the day the certificate of occupancy issued (while we had no gas service, no hood inspection, no health permit, and no staff). Forced $181,000 total using the BI recovery framework: a forensic accountant's seasonality model built from three years of POS data, the policy's actual definition of "period of restoration," the extended business income coverage nobody mentioned i had, contemporaneous daily reopening logs, and an appraisal demand with a DOI complaint running in parallel. the complete 8-month playbook for a business income underpayment.

fourteen years running a 68-seat restaurant in cleveland, and the fire was the second worst thing that happened to us that year. the first worst thing was the eight months i spent learning that...

Posted by anxiousresident589•
6 comments

Cincinnati Insurance denied my $284,600 business interruption claim at my Ohio independent restaurant after a March 2026 water main break flooded the restaurant kitchen, dining room, and basement requiring 11 weeks of closure for restoration, by limiting business interruption to 3 weeks of asserted reasonable restoration period and excluding payroll continuation, extra expense, and dependent property losses from supplier disruption. Forced full $284,600 BI settlement using the period of restoration framework, the extra expense coverage analysis, and the Ohio prompt payment statute. The five-element approach to business interruption claims with extended restoration periods and dependent property losses

Posting this because business interruption (BI) claim denials with extended restoration periods, extra expense disputes, and dependent property loss exclusions are one of the most common policyholder...

Posted by determineddriver340•
5 comments

Cincinnati Insurance denied $340k in business interruption losses for my dental practice claiming the 6 month closure after a structural fire was 'partial not total' because we kept billing existing patients for telehealth. Won full BI recovery in 11 weeks by getting the period of restoration extended and forcing them to apply the actual loss sustained methodology correctly. The four documents that mattered

Sharing this because business interruption (BI) claims are massively undervalued by carriers and the gap between the initial offer and the actual loss sustained is usually 60 to 80 percent....

Posted by hopefulResident980•
6 comments