Business Income & Loss-of-Use Claims.
Commercial business interruption claims are complex, time-pressured, and chronically underpaid. We handle the documentation work that wins them.
Business income claims depend on rigorous financial documentation — historical revenue, projected losses, fixed costs that continue, extra expenses to maintain operations. Insurers default to conservative methodologies that undervalue. We engage forensic accountants and present claims that hold up.
What we see most.
Hurricane-related extended closure
Restaurants, retail, offices closed for weeks during repair. Income loss + extra expense both eligible.
Fire damage with relocation period
Temporary relocation costs are recoverable as extra expense; lost income during transition is also covered.
Water damage with partial-operation period
Operating at reduced capacity counts — we calculate the income gap, not just full closure.
Where we add the most value.
Period of indemnity boundaries
Policy-specific. Some end at physical repair completion; others continue until business returns to pre-loss revenue levels.
Continuing fixed costs
Rent, salaries, utilities — recoverable as part of business income loss.
Extra expense vs. loss income
Two different coverage sections, both typically applicable. We claim both correctly.
Three steps from damage to settlement.
No paperwork from you. No fee unless we recover money for you.
Tell us about your damage
Free, 60-second claim review. Snap a photo, share what happened — we'll take it from there.
We document everything they missed
A licensed adjuster inspects your property in person and builds an itemized claim — with photos, code references, and contractor estimates.
We negotiate. You only pay if we win
We handle all back-and-forth with the insurer. You only pay a percentage of additional money we recover — never out of pocket.
About business income & loss-of-use claims.
They were offered less. Then they called us.
“Our insurance offered $11,000 for hurricane damage. Munra came out, documented everything, and we settled at $58,400. They handled every call so I didn't have to.”
“I had been fighting with my insurance company for 4 months. Munra took it over and got it settled in 6 weeks. Spanish-speaking team made the process so much easier for my parents.”
“Citizens denied my mold claim — full stop. Munra reopened it, brought in their own engineer, and reversed the denial. We never would have known what to do without them.”
Don't accept less than you're owed.
Free claim review. No obligation. Florida-licensed adjusters standing by 24/7 during storm season.
No recovery, no fee · Bilingual team · Available 24/7 in storm season