Rhode Island’s Most Trusted Public Adjusters

Business Interruption Claim in RI

A business interruption in Rhode Island is a direct threat to your revenue, your employees and your ability to stay afloat. Whether a fire damaged your facilityflooding forced a temporary closure or storm damage made your property uninhabitable, every day your doors remain closed costs money. Your insurance policy includes business interruption coverage, but getting the full value you’re entitled to is challenging.

Insurance companies prioritize their bottom line. While you’re focused on reopening and serving customers, they’re calculating how to minimize their payout. The first offer may seem reasonable until you realize it doesn’t account for all your lost revenue, ongoing expenses or the true cost of getting back to normal operations.

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How Does Business Interruption Insurance Work?

Your policy covers lost income and ongoing expenses while your business recovers from property damage. Your lost profits, the customers who went elsewhere, the suppliers you couldn’t pay and the market share you’ve surrendered represent real financial damage that deserves compensation.

We fight to recover the full, actual value of your losses by documenting every dollar of lost income, payroll you still had to cover, lease payments that didn’t stop, utilities that continued and the extra expenses you incurred to keep your business viable. Don’t settle for the first offer. Your financial recovery depends on having an advocate who understands what’s at stake, and once you accept a settlement, reopening negotiations becomes nearly impossible.

Get Expert Claim Management at Any Stage

Focus on running your business while we handle the entire complex business interruption insurance claim process for you. From the moment you contact us, our team of experienced Rhode Island public adjusters takes over all communications, documentation and negotiations so you can concentrate on getting your operations back on track.

We Work With Your Existing Team

Already working with a restoration company? Perfect. Our role is to meticulously document your financial losses, including lost revenue, ongoing operating expenses, payroll obligations and extra costs you’ve incurred to minimize the interruption. We ensure your business interruption insurance payout reflects the true impact on your company.

Our primary mission is your financial recovery through your commercial property damage claim, and it’s never too late to bring us in. Whether your claim was filed yesterday or you’re already in negotiations, we can step in to manage the documentation and fight for the settlement you deserve.

We compile the proof and manage all dealings with your insurance provider, ensuring your business interruption claim is valued correctly from the start. From income statements and tax returns to contracts, payroll records and operating expenses, our experienced public adjusters document everything. You won’t be left wondering if you’re getting a fair deal — you’ll have experts working exclusively in your interest.

Request Your Free Consultation Now

Start your path to recovery with expert business interruption insurance support from Performance Adjusting. Worry less with our free consultation and receive invaluable advice. The sooner you contact us, the stronger your position becomes. Call us at 401-724-9111 to protect your business and secure the settlement you deserve.

Since we only win when you win, rest assured that we’ll be on top of our game.

Client Testimonials

Our Public Adjusting Process

Insurance Policy Review

First, our team performs a thorough analysis of your insurance policy to determine how we can help you financially recover as quickly (and economically) as possible.

Temporary Relocation

If you need a place to stay, we will find one. In the event that your home is deemed “unsafe to inhabit”, we’ll connect you with a cozy temporary home.

On-Site Analysis

Using our advanced technology and techniques, we visit the site to prepare a detailed estimate of the reparation costs and physical losses.

Photo Inventory

While on site, we document everything to prove to the insurance companies that our estimates are fair and accurate.

Legal Communications

We handle all of the communication with the insurance company. Seriously. You won’t get a phone call, text, or email (Unless we need to reach you).

We Keep Fighting

Insurance companies can be pesky, but we won’t back down. We will fight for every aspect of your claim, including dwelling (the physical structure of your home), other structures on your property (fences, sheds, garages), damaged contents, and loss of use (additional living expenses, business interruption, etc.)

You can reach us any day, any time. Request a FREE consultation,

and we will get right back to you.

What’s a Public Adjuster, and why do I need one?

That’s a great question. We are a team of specialists who deal with insurance claim policies related to property damage. When your home, business, or other property is impacted by fire, water, or other forms of damage, we come in and take the claims process off of your hands to ensure that you get the most money possible. Many people don’t understand how much they are eligible for in damages, and end up losing hundreds to thousands of dollars in the process. We offer free in-home consultations to assess the damages, then handle the entire communications process to take the stress off of your shoulders. Once the claim is approved, we receive a small share of the settlement, and you get your home & life back.

Frequently Asked Questions

Any type of property owner, whether they own a business, home, or commercial real estate. Here at Performance, we excel at assuring every claim we handle is paid out at the maximum value ranging from a single-family home to large commercial building.
 
Yes.  For example, a business owner puts in a claim for a pipe break. While the inspection is taking place, the adjuster notices a few missing shingles on the roof from the most recent windstorm. If covered under your policy, another insurance claim can be put in to address the wind damaged roof.
In many cases, losses can result in losing business income for an extended period. If the reason for the loss of income is due to the loss that occurred, most policies include loss of business income.  This coverage would take into consideration the income your business regularly receives. Here at Performance Adjusting, we have accounting specialists to assist you with this facet of the claim.
An undisputed payment is the payment that represents the original offer from the insurance company in relation to the coverage.  A supplemental payment includes any payments that follow the undisputed amount. For example, if the insurance company writes an estimate that pays a net of $10,000.00, they should issue this payment immediately because they have already agreed this is the minimum the loss is worth (undisputed).  Supplemental payments are in result of further negotiations or issues that may come up during the reconstruction process. Claims have a two-year statute of limitations, which means we can fight for additional funds for two years following the inception of the claim.
 
Once a settlement has been reached and the insurance company has all the requested information, a check will be issued.  This check typically takes 7-10 business days to arrive.
 
This means that your property’s total insurance is less than the value of the property itself. If a loss were to occur, you may have a penalty applied and the full payment of the loss would not be issued. It is critical to ensure that you have enough coverage in your insurance policy. An adjuster from Performance Adjusting would be more than happy to review your policy for you free of charge.
 
Ready to Get More Money for Your Business Interruption? Claim?