Independent Analysis of Insurance-Related Financial Loss
The Valuation Group provides financial analysis in business interruption, lost income, extra expense, and insurance-related economic loss matters.
Our work supports insurance defense counsel, coverage counsel, carriers, claims professionals, policyholders, business owners, attorneys, mediators, arbitrators, and advisory teams that need a clear analysis of claimed financial loss.
Why The Valuation Group
Business interruption claims often turn on the quality of the financial model, the reliability of the records, and the relationship between the claimed loss and the covered event or alleged cause.
Our analysis focuses on the financial bridge between the event, the period of interruption, the company’s actual performance, and the claimed loss, with attention to avoided costs, continuing expenses, mitigation, and support for the projected results.
We analyze claimed lost income arising from business interruption, property damage, operational disruption, contract disputes, casualty events, supply chain disruption, and other events affecting business performance.
Our analysis may address historical revenue, projected revenue, gross profit, operating expenses, continuing costs, avoided costs, extra expenses, seasonality, capacity, customer behavior, and market conditions.
Insurance-related claims may include disputed extra expenses, continuing expenses, replacement costs, temporary operating arrangements, mitigation expenses, and other financial impacts.
The Valuation Group reviews the financial records, invoices, operating data, accounting schedules, and supporting documentation needed to evaluate the amount claimed and the economic basis for the loss.
Business interruption analysis requires careful attention to the cause of the loss, the period of interruption, the restoration period, the actual financial results, and any mitigating revenue or avoided expense.
We evaluate whether the claimed financial loss is consistent with the company’s historical performance, operating capacity, market conditions, and financial records.
We assist insurance defense counsel, coverage counsel, carriers, claims professionals, and advisory teams in reviewing claimed business interruption losses, lost income calculations, financial schedules, and supporting documentation.
Our work may include analysis of the claimant’s model, review of assumptions, identification of unsupported amounts, alternative calculations, rebuttal analysis, and support for mediation, arbitration, litigation, or claim resolution.
