We’re the Experts in Business Interruption Claims! Hire JF Public Adjusters today.

We’re the #1 Rated Public Adjuster in New York
Our goal is to maximize your insurance claim settlement
We serve both commercial and residential clients
Our clients love the seamless claims experience we offer
We manage your claim from lodgement to settlement
You benefit from our extensive network of plumbers, restoration companies, roofers, builders, brokers, property managers, and many other industry professionals
We have hundreds of happy clients in New York, New Jersey, Connecticut and Pennsylvania
We have recovered tens of millions in insurance claim settlements

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Call (917) 272-8793

Joel Follman

Licensed Public Adjuster

Protecting Your Interests is My Priority.

(917) 272-8793

Business interruption coverage may or may not be included in a standard commercial property insurance policy. It depends on the policy terms and the insurer. In general, standard commercial property insurance policies provide coverage for physical damage to the insured property, such as damage from fire, storms, vandalism, and other covered perils.

Business interruption coverage is typically offered as an optional add-on to commercial property insurance. This coverage can help protect a business from the financial losses that may result from an interruption in operations due to physical damage to the insured property. However, it is important to note that business interruption coverage is not automatically included in a standard commercial property insurance policy.

Therefore, you should carefully review your policy and discuss your specific needs with your insurance broker to ensure that you have adequate coverage for potential business interruption losses. You may need to purchase additional coverage to ensure that you are fully protected in the event of an event that causes business interruption.

Is Business Interruption Coverage Included in All Commercial Property Insurance Policies?

BIG ENOUGH TO HANDLE YOUR CLAIM, BUT SMALL ENOUGH TO CARE.

Book a Consultation

Call (917) 272-8793

JF Public Adjusters Are Here to Help You with Business Interruption Losses in Addition to the Physical Damage to Your Commercial Property. We manage the claim so you get paid what’s due to you.

In the context of property claims, a business interruption claim is typically filed when a business is unable to operate due to damage or destruction of the insured property. For example, if a fire damages a restaurant, the business may be unable to operate until the building is repaired or replaced. During this time, the business may experience a loss of income, as well as ongoing expenses such as payroll and rent.

To file a business interruption claim in a property insurance context, the following steps may be taken:

Notify the insurance company: You should contact your insurance company as soon as possible to report the damage and initiate the claims process.
Assess the damage: The insurance company will typically send an adjuster to assess the damage and determine the extent of the loss.
Document the loss: You should document the loss by keeping records of lost income and expenses related to the interruption of business operations.
Submit the claim: You should submit a claim to the insurance company, along with documentation of the loss.
Negotiate the claim: The insurance company may dispute the claim or the amount of compensation owed. In this case, you may need to negotiate with the insurance company or hire a public adjuster to advocate for your interests.

Overall, business interruption claims in the context of property insurance can be complex and time-consuming, but they can provide essential financial protection for businesses that experience interruptions in their operations due to property damage or destruction.

Rated 5 out of 5 stars based on 110 customer reviews.

Yisroel I.

JF adjusters is definitely the best service ever!!! We had a major pip burst in our house in Staten Island, we tried our self to deal with it but couldn't get anything that can cover our loss, we called JF adjusters and they took care of the claim from A to Z they took off our headache and put in the claim all the afford to make sure we will be stress free. we never believed we can get such of high results, we got few time more then what we tried ourselves. Thank You So Much!!!

Deutsch F.

"Hey guys, DON'T even waste your time trying anyone else! Joel is above and beyond. He delivered as promised. I had a tree fall on my house with a substantial amount of damage while trying to claim my insurance with a different adjuster before knowing about Joel. That adjuster had sent me an email a couple of days later stating that, after looking into the case, he wouldn't suggest filing a claim due to the 5% deductible on the policy. BUT Joel took over and delivered FULL COVERAGE!! AMAZING JOB!!"

Yumi F.

Short and sweet, can't ask for a better public adjuster then Joel and his amazing team!!

shimon p.

"I recently had the experience of working with Joel and his team at JF Public Adjusters on my insurance claim, and I couldn't be more impressed with the level of service I received! From start to finish, they were amazing to work with, going above and beyond to maximize my claim. Their expertise and advocacy resulted in a significantly higher settlement than I would have received on my own. What truly sets them apart, however, is their commitment to customer satisfaction. Joel and his team worked tirelessly to ensure I was 100% satisfied with the outcome. Their attention to detail, professionalism, and kindness made a stressful process so much easier. And the best part? The small fee they charge is well worth it - every penny and more! I highly recommend Joel and his team at JF Public Adjusters to anyone dealing with an insurance claim. They are truly in your corner, fighting for what you deserve. Thank you, Joel and team, for an exceptional experience!

Abraham

Joel, I cannot speak highly enough of your public adjuster company. From the moment I engaged your services, you exhibited an exceptional level of knowledge and expertise in handling my case from beginning to end. Your service was nothing short of fabulous, and your kindness and professionalism made the entire process much smoother. I highly recommend your company to anyone in need of assistance with insurance claims or property damage. Thank you for the outstanding support! Abraham & Sarah

Shaindy M.

We had a burst pipe that caused damage to several rooms in our home. We hired JF Public Adjusters to take care of the claim for us and they did not disappoint. Joel and his team were on top of the claim from start to end. They were meticulous and made sure to account for all claim-related damage. The insurance company tried to give us a hard time, not just by sending us a lowball offer but also refusing to negotiate or acknowledge the reasons why we deserved more. Fortunately, Joel assured us that we were in the right and that we would take it all the way to legal if we had to. We got exactly what Joel said he'd get us. We expected them to be good but they really knocked it out of the park.

Eric W.

We were fortunate to find Joel to help us with our homeowners insurance claim. He worked diligently over the course of a few months to ensure that we received a fair settlement that covered the entire cost of our repairs. I appreciate the guidance, honesty, and integrity that he provided as our advocate. Hiring Joel was the single best decision we made in a long time. If I have another claim in the future, Joel will be the only person I will call.

G F.

We had a fantastic experience with Joel. He is knowledgeable, experienced, and made the entire claim process easy. Highly recommend!

Danny W.

I highly recommend JF Public Adjusters ! They are knowledgeable, professional and best in the business !

Anthony

Joel and his team did a phenomenal job. Recovered much more than I thought I would from the insurance company with no stress. Joel did it all from start to finish. Don’t try and deal with the insurance company on your own as you will be outclassed very quickly. Hire a professional to get it done right.

dina o.

JF Public Adjusters did a great job getting our claim when our home got water damaged. He was very efficient and got everything done in a timely manner. His office kept us updated and were always very helpful. He knew to tell us how much money to expect and what it will entail. He was soo right and knows his work. will highly recommend to all who are looking for a stress free adjuster. Thank you Joel and team for a great job done.

Yehuda K.

If I could leave a 10 star review I would! Joel is a true expert in navigating the insurance claim process. From the moment we discovered the damage in our basement all the way through the end, Joel was there to guide us and answer our questions. The amount we received was way more than if we would have tried submitting the claim ourselves. I would absolutely recommend JF Public Adjusters!

John R.

We have been dealing with JOEL for about the last 7 months. I have to say he has been UNBELIEVABLE, everything he said to do, we listened & Everything he said would happen did! HE TOLD ME WHAT TO EXPECT with the $$ outcome and HE WAS DAMN NEAR TO THE DOLLAR. My wife & I are so very fortunate to have worked with JOEL and his team at JF PUBLIC ADJUSTERS , we will be telling family & friends to use them from now on if/when it's time to tackle the Big Insurance companies WHO DO NOT WANT TO GIVE YOU YOUR RIGHTFUL PAYOUT!!! THANK YOU JOEL , now we can rebuild and not have to worry about anything!! Sincerely, John & Jenny

Yoel S.

Was a pleasure working with you!!! Wow true professionalism at the best

David G.

Exceptional Service and Results! I recently had the pleasure of working with JF Public Adjusters and I cannot speak highly enough about their professionalism, expertise, and dedication to their clients. From the moment I contacted them, I knew I was in good hands. Their team went above and beyond to ensure that my insurance claim was handled efficiently and effectively. They navigated the complex process with ease, advocating tirelessly on my behalf to ensure that I received the maximum compensation for my damages. Not only did they provide exceptional service, but they also achieved outstanding results. Thanks to their expertise and attention to detail, I received a settlement far beyond what I initially expected. I highly recommend JF Public Adjusters to anyone in need of assistance with their insurance claims. They are truly the best in the business and I am incredibly grateful for all of their hard work.

Shlomie S.

Hiring JF adjuster for my insurance claim, was one of the wises desicions I ever made! When I discovered a sewer backup in my new basement at my home in Spring Valley, NY this past September, I was lost and froze! My beautiful new basement that was furnished with new furniture, a new kitchen, and appliances, is now flooded with 6 inches of sewer and rain water. The Sukkos holiday is just a few hours away, and what are we doing now? The entire basement is full of dirty water, with the smell traveling through the entire house. I quickly reached out to my insurance broker and he gave me Joel's private cell number. From the very first second that I spoke to Joel, the situation has turned around from disastrous to salvation! Joel assured me that all will be taken care asap! Although, Joel is located some 40 miles away from my home, he got a restoration company come over within a short time for no charge; vacuumed out all the water, turned on fans to dry the floors and walls, and the smell was gone! We got the insurance claims adjuster come over with Joel within a week, and within a short period of time, we had a check in our hands with full reimbursement on our loss! Joel was patients and available to assist any hour of the day or night. His constant positive reassurance that we'll get the claim approved, was the best and most helpful relief throughout this journey!

Diane p.

Joel was very professional, reliable and helpful with the water damage we had in our home. We highly recommended him.

Yaakov G.

My hot water tank went in middle of the night and by the time I noticed it in the morning, the first floor was just about totally covered in water. Joel was thorough and got me the best possible adjustment for my loss. Highly Recommended. Located in Staten Island, NY

Avi B.

Joel was very professional and got me back more money to cover the claim than any other adjuster. Thank you Joel

S F.

I was very impressed by their professionalism and expertise. They where very knowledgeable and explained everything clearly, they negotiated a fair settlement with the insurance company. and helped with all the paperwork and documentation for me. I definitely recommend them to anyone who needs a public adjuster. Highly recommended

Fred J.

We hired JF Public Adjusters for damage to our roof from a storm. Joel was straight forward and didn't cut any corners. He made the process look easy and greatly reduced the stress level. He was professional and made us feel comfortable.

Arkady S.

Highly skilled and professional. Joel explained to me what to anticipate, didn't feed me with false hopes and did a tremendous job to retrieve best possible compensation from my insurance company. Highly recommended!

Harry D.

Joel from JF Public Adjusters was outstanding in handling our commercial claim in Ohio. His prompt responsiveness and willingness to go above and beyond ensured our damage claim was paid in full. His dedication and professionalism make him an excellent choice for anyone in need of assistance with insurance claims. Highly recommended!

Priyendu S.

We had some damage on the roof and availed the service of JF Public Adjusters. Most of the process was completed electronically and hence was very convenient. The overall experience was fairly smooth and hassle free. I would recommend the business and Joel in particular .

Joe C.

When had to file a claim with our insurance company earlier this year, we were thankful to have Joel and his team on our side. We decided to contact JF Public Adjusters since the insurance company was giving us a really difficult time. When we met Joel we could tell he cared about his clients. He explained the process each step of the way and answered any questions we had. He is knowledgeable, detailed oriented, and worked well with the insurance company. He is driven and will pursue your case to the end to maximize your claim. The claim took awhile to close, due to insurance delays, but I know we wouldn’t be where we are today without Joel’s assistance.

aviva f.

Joel was super helpful throughout the process. He came down promptly to do an assessment and then took care of all the legwork with the claim. He communicated with us throughout the process and was a pleasure to work with. We were thrilled with his work and the results.

Frank C.

My wife and I hired J F public adjusters after we were declined for coverage through our insurance company.Joel came to our home, assessed the damaged, looked at the policy and was willing to take on the task even though it was difficult.eventually were able to have the insurance company cover the claim. I would recommend this company to any of my friends, family or business associates. They were prompt efficient and did exactly what they said They would do. I would highly recommend them.

Leandro G.

My experience with JF Public adjusters was excellent. Joel is a very honest and knowledge person. He delivered everything that was promised and helped me negotiate with insurance company to recover all my losses. I would recommend JF Public adjusters to anyone that needs a real negotiator regarding insurance claims / losses.

Kevin M.

Hire JF Public Adjusters if you have a home insurance claim. A large tree fell on our home causing significant damage. We had never used a public adjuster before and so to google it was - thankfully we found Joel and JF Public Adjusters. Joel was transparent, brought on some great people, and did not stop working for our claim from the moment we hired him until everything was done and resolved. Really thorough and knowledgeable, we felt safe having him in our corner. He was so good every time we tell the story of the tree we tell people to hire him, no question. Yes, they're that good. JF Public Adjusters should be you, your family, and your neighbors' go to for home insurance claims.

Kiki

After speaking to a number of public adjusters, I had the best experience with Joel. He was more knowledgeable, honest, realistic, responsive and efficient. I find that it’s always best to deal directly with the owner of the company. I got great advice and personalized service, so I can highly recommend him!

Arthur Y.

I would highly recommend Joel and his company. He did an amazing job assessing the damages and formulating an honest and realistic expectation. He walked me through the process and was able to deliver results quicker than anticipated.

Avi G.

Joel is absolutely an amazing adjuster! He ovver delivered on everything. Great communication. He explained every single step of the process and made me feel extremely comfortable. I would highly recommend.

andrew t.

Joel is a Man of integrity! It’s not very often that you find someone who is willing to fight for your claim in such a professional and detail oriented way. He was upfront with expectations right from the beginning of the claim. The amount of work required to gather all the information necessary so that you can be represented correctly, can not be measured.

Sharon C.

I recommend JFP Public Adjusters. Joel came through with everything that he promised. When he viewed the damages he was able to point out further damages that I would have not been aware of. He was able to pin point damages that were not readily visible That being said, he went back and forth with the insurance company until all damages were satisfied accordingly. If needed, I would use Joel again. It was surely a process but worth the wait.

Thomas D.

Very knowledgeable and professional. And we recommend on any loss to hire JF Public Adjusters

Jacob G.

Was a pleasure dealing with you guys.Great service very professional high-end. I had a leak in my house in Middletown New York they came the inspected they help them guided me with everything thank you

Timothy D.

This company was upfront and transparent. Joel told us exactly what to expect and he was right on the money. Our claim took quite some time to settle, due to the insurance company, but Joel and his team fought for us. He was very accommodating and kept us up to date whenever there was new information. Joel is a true professional and we recommend him highly!!

Tara M.

Very professional and made the entire process seamless. We would have never been able to accomplish this on our own. Always working hard on our behalf. Highly recommend!

S C.

Joel is the ultimate professional in this space, his knowledge is superior and he really cares about people. I had a claim denied related to water damage. He carefully guided me on steps to take and went out of his way to make sure he could do everything in his ability to help get the denial overturned - and guess what, it did. Amazing.

guido b.

I recently experienced a stressful situation with a pipe leak in my kitchen, but thanks to the prompt response and professional assistance from Joel and his exceptional team, particularly Ariel, the mitigation and restoration process was handled seamlessly. I cannot emphasize enough how valuable their services were in helping me maximize my insurance claim. From the moment I contacted Joel, his team showed up promptly at my residence in Stony Point, NY. Ariel, with his expertise and knowledge in mitigation and restoration, confidently took charge of the situation. he quickly assessed the damage caused by the leak and formulated a comprehensive plan to address it efficiently. Throughout the entire process, Joel and the team displayed a high level of professionalism and dedication. They meticulously ensured that every step of the mitigation and restoration process was executed with precision, leaving no room for error. They utilized advanced techniques and equipment, guaranteeing the most effective and thorough restoration possible. What truly set Joel and his team apart was their commitment to helping me maximize my insurance claim. They understood the importance of advocating for me and worked diligently with my insurance provider to ensure that all necessary repairs and replacements were covered. Their efforts went above and beyond, ultimately saving me a significant amount of time, money, and stress.

Henry S.

I had a pipe burst and the insurance company didn't want to give as much as it cost. Joel did not back down and he fought for me until they paid what they needed. Fantastic service!!

Mike P.

We had a leak at house in Wyckoff, Nj. Our whole basement was flooded. Joel was there hrs after I called him to inspect the damage. Joel was extremely professional adjuster who got us the correct $ we needed to fix our basement. He was with us the whole time and couldn’t been more pleased with the service!

Mike P.

We had a lot of water damage in our basement in Wyckoff, NJ. Joel was extremely knowledgeable and helpful throughout the whole process. He helped us get back the money needed to restore the damage. We couldn’t have been more pleased with his service!

Michelle T.

We cannot recommend Joel and his team enough!!!…they took the stress out of dealing with the insurance company and took care of everything!!!…they made a very difficult situation a breeze…Joel was always available to answer all our questions and extremely prompt with responses!!!…we will be recommending them to anyone who ever finds themselves in need of an adjuster!!!…thank you again for all your help

Sema P.

When water started leaking from our upstairs apartment to the apartment below, my favorite son in law told me to call Joel, luckily i listened and Joel got a quick and great resolution.

Truong P.

Absolute life saver. I was having many issues with my insurance company after my condo was flooded by an upstairs neighbor. Joel came in and got me over 6x the amount that insurance tried to pay me for repairs. Thanks to Joel, I can now finally begin reconstruction on my home.

Natalee K.

Joel will fight for you and get you the best possible coverage! Well worth the fee.

Kelly K.

Joel and his team were awesome. We had a pipe burst and he responded quickly to help guide us through the insurance process. He alleviated all the stress of needing to communicate with the insurance company ourselves and was great with keeping us in the loop. Highly recommend and would absolutely call again if God forbid we had another claim.

Gerrie H.

My family had a major fire a little over 2 months ago, we had renters insurance however we never had the need to file a claim until said fire, and to say we were lost as to how to proceed was and understatement, a friend suggested using a public adjuster. I started my research and came across JF Public Adjusters. I read the reviews and decided to reach out, it was the best move I’d ever made, from day one Joel was very professional and attentive, he literally took the burden off me of having to navigate an unfamiliar territory, he communicated with me at every step about what’s next or what to expect. This past week we received a check in the mail for the maximum coverage of our insurance, we are still stunned because we weren’t expecting the max amount. We will forever be grateful to Joel and his team. We highly recommend reaching out to JF Public Adjusters should you ever have the need for a public adjuster’s services, I promise you won’t be disappointed. Truly grateful Gerrilyn Woodley

They S.

If you want your claim taken care of by someone who know how to deal with insurance companies JF Public Adjusters is exactly who you call. Insurance companies do there best to not pay there fair share Joel makes sure you get what you deserve. I highly recommend them you will not regret it.

BUSINESS INTERRUPTION FREQUENTLY ASKED QUESTIONS

In the event of a claim, use a public adjuster to make your claim process as smooth and seamless as possible. Public adjusters leverage their knowledge and experience to negotiate the best possible outcome for your insurance claim.

What documents are needed to support a business interruption claim?

When filing a business interruption claim in the context of a property insurance claim, there are several documents that may be needed to support the claim. These may include:

Business income records

This includes records of the business’s income before and after the interruption, such as sales records, tax returns, and financial statements.

Expense records

This includes records of ongoing expenses that the business incurred during the interruption, such as rent, utilities, payroll, and other operating expenses.

Property damage records

This includes records of the damage to the property that caused the interruption, such as photographs, estimates for repairs or replacement, and any other relevant

Records of extra expenses

This includes records of any additional expenses that the business incurred as a result of the interruption, such as the cost of temporary equipment, relocation costs, or extra labor costs.

Insurance policy documentation

This includes copies of the insurance policy and any endorsements or amendments that may impact coverage.

Business continuity plan

This includes the business’s plan for continuing operations in the event of an interruption, as well as documentation of any efforts made to minimize losses during the interruption.

What is the usual business interruption coverage in commercial property insurance?

The coverage for business interruption in commercial property insurance can vary depending on the specific policy and insurer. However, typical business interruption coverage will provide compensation for loss of income or profits resulting from physical damage to the insured property. This may include coverage for:

Loss of income

Compensation for lost income that would have been earned during the period of interruption, based on the business’s financial records.

Extra expenses

Reimbursement for additional expenses incurred to minimize or avoid the suspension of business operations during the interruption, such as the cost of renting temporary equipment or relocating the business.

Extended coverage

Extended coverage for loss of income beyond the period of interruption, typically for a specified time period (e.g., 30, 60, or 90 days) after the property is repaired or replaced.

Contingent business interruption

Coverage for losses resulting from damage to property of suppliers, customers, or other entities with whom the business has a direct or indirect relationship.

Civil authority coverage

Coverage for losses resulting from government orders or other civil authorities that prohibit or restrict access to the insured property.

The amount of coverage provided for business interruption will depend on a variety of factors, including the policy limits, the duration of the interruption, and the financial records of the business. It is important for you to review your policy carefully and work with an experienced insurance professional to ensure that you have adequate coverage for business interruption losses.

How JF Public Adjusters Make The Insurance Settlement Process Easy

1. Free Consultation: We’ll complete a free claim review and consultation. We can even visit your property if you would like us to.

2. See If We’re a Good Fit: You can ask us any questions and we’ll discuss the loss recovery process based on your circumstances and the results you are after.

3. Hire Us and Love Life: Get back to living life and let JF Public Adjusters manage the claim adjustment for you.

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We Manage Your Claim From Start to Finish
You Benefit From Our Years of Industry Experience
We Handle All The Details and Negotiations
We Deal With The Insurance Companies
We Get You The Full Settlement That You’re Owed
We Get Paid A Portion Of Whatever We Recover

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CONTACT NEW YORK’S HIGHEST RATED PUBLIC ADJUSTER IMMEDIATELY BY CALLING OUR OFFICE OR BY COMPLETING THE FORM.

We take full responsibility for your claim from start to finish.
We have years of industry experience.
Your can trust us with all details and negotiations.
We respond to your/your insurace company’s requests in a timely manner.
We ensure that you receive the maximum settlement you’re eligible for.
We only charge a small portion of whatever we recover for you.

We’re the Experts in Business Interruption Claims! Hire JF Public Adjusters today.

Protecting Your Interests is My Priority.

(917) 272-8793

Is Business Interruption Coverage Included in All Commercial Property Insurance Policies?

BIG ENOUGH TO HANDLE YOUR CLAIM, BUT SMALL ENOUGH TO CARE.

JF Public Adjusters Are Here to Help You with Business Interruption Losses in Addition to the Physical Damage to Your Commercial Property. We manage the claim so you get paid what’s due to you.

Rated 5 out of 5 stars based on 110 customer reviews.

BUSINESS INTERRUPTION FREQUENTLY ASKED QUESTIONS

What documents are needed to support a business interruption claim?

Business income records

Expense records

Property damage records

Records of extra expenses

Insurance policy documentation

Business continuity plan

Other supporting documentation

What is the usual business interruption coverage in commercial property insurance?

Loss of income

Extra expenses

Extended coverage

Contingent business interruption

Civil authority coverage

How JF Public Adjusters Make The Insurance Settlement Process Easy

Level the Playing Field

Partner With The Property Damage and Insurance Claim Experts

GET IN TOUCH!

CALL US FOR FREE

(917) 272-8793

Request A Free Claim Review & Consultation

JF Public Adjusters will get you the Insurance Claim Settlement you are entitled to.

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