Business interruption insurance claims in Illinois
A fire, storm or water loss closed your doors or cut sales. We build the lost-income claim from your books.
- $0 upfront
- Fee from the recovery only
- Licensed Illinois public adjusters
How the business income figure is built
Your sales trend before the loss, month by month.
Rent, loans, leases and the payroll you kept on.
Paid for the period of restoration on the common forms.
Paid on top: extra expense. Temporary space, rented equipment and overtime to reopen sooner.
Not the number: lost revenue. Costs that stopped, like stock you never bought, come out.
What a shutdown costs a business, and what drops off the claim
Gold tiles: the parts owners most often never claim.
Sales lost while all or part of the premises was unusable.
Staff kept on so the team is there at reopening.
Rent, equipment leases and loan payments that did not pause.
Spent to keep trading, then booked as an ordinary cost.
Often missedExtended business income runs until sales recover.
Often missedA closed street or a damaged key supplier: civil authority or dependent property cover.
Often missedThe property claim comes first: two we settled
All results
Melted siding from a grill, replaced in full
Priced as a patch; argued for full replacement because siding cannot be matched.
- Full siding replacement
- Matching argued and won
- Inspection passed
“Guys got me approved for the full siding replacement on the house.” Aleksey Babin
Claim settled, roof rebuilt, one point of contact
We negotiated the claim; our construction partner did the build.
- Claim negotiated
- Roof rebuilt
- One point of contact
“Thank you for your help with my roof claim and roof construction!” Anastasiia Karvatska
The clock on a business income claim
- Day of the lossExtra expense startsCosts to keep operating count from the moment of damage.
- Typically 72 hoursWaiting period endsLost income is paid after it. Some policies shorten it by endorsement.
- Restoration periodEnds when repairs should be doneMeasured by reasonable speed, not by the day you actually reopen.
- Commonly 30 daysExtended incomeRuns after reopening, longer if your declarations say so.
“Very effective representing us. Results couldn’t be better.”
What Illinois law puts in your adjuster contract
Check for these four terms before you sign.
The contract must state that the public adjuster is fully bonded under State law.
215 ILCS 5/1575(a)(10)It may not make you indemnify the adjuster for the adjuster’s own negligence.
215 ILCS 5/1575(e)(4)The fee is owed by the insured, not the insurer, unless you assigned rights to the adjuster.
215 ILCS 5/1575(f)(4)You must receive written notice of your rights as a consumer under Illinois law.
215 ILCS 5/1575(i)Start with the policy and last year’s numbers
- Free reviewWe read the business income part of your declarations.
- The accounting fileSales history, continuing expenses and the repair timeline, in one claim.
- Negotiation, then our feeOur share comes from the recovery only.
We stayed open at half capacity. Is there anything to claim?
Often, yes. The common forms count a slowdown as a suspension, not only a full closure. The claim compares expected earnings with what you actually took.
Which records will the insurer ask for?
Usually prior-year profit-and-loss statements and tax returns, monthly sales and payroll registers. Copy them early: the office that holds them may be damaged.
The carrier’s accountant came in far below our number. What now?
The gap usually sits in a few lines: the sales trend, continuing expenses, payroll and the repair time. We answer each with your records. We are public adjusters, not attorneys.