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

Schedule a Free Claim Consultation

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 97 customer reviews.

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.

Levi

It was a pleasure to work with Joel from JF Public Adjusters. He really has your best interests in mind when working on your claim and gives you advise you can trust. Joel helped us through the entire insurance claim process and orchestrated all of the little details that we wouldn't have thought of on our own. We have already referred JF Public Adjusters to others and would gladly refer them to anyone that needs to make an insurance claim.

Ayb A.

We used him for a claim he is very professional knows what he is doing very on top of the claim got it done fast the best out there highly recommend him

Marie E.

Awaken to witness wet walls in the kitchen below the bathroom going down the basement staircase & not knowing the source nor the gravity of the damage, can be very scary. After notifying my Insurance Agent of the problem, a friend advised me to get in touch with a Public Advisor. I logged on Google & left messages for 3 Public Advisors. Only one called me back. That ONE was Joel! He was a GOD send. He reassured me that he will take care of everything. Not To Worry! Sure enough, he got his team (TRX), including the Insurance Agent Team to handle the situation smoothly. We are very satisfied with Joel excellent work & we will recommend him to anyone who ask for a referral. Thanks again Joel for a job well done!

isaac s.

I want to share my wonderful experience i had working with JF Public Adjusters, i had a massif flood what made big damage on 3 floors, they took care of everything, and they arranged the insurance to give us a big lump $$$$$$, in just a few weeks,. Its worth using them when needed! They are the BEST THEY ARE QUICK AND GREATE !!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Rock R.

Joel and Mitchell are the go to guys if you are trying to get what you deserve from your insurance company, they are honest , always respond and will fight for you till the end. We had a big insurance claim where the insurance was obviously not going to pay , Joel and Mitchell came in and turned everything around. They filled out all the forms , followed up with the insurance and stayed persistent and diligent. I really felt like I had a family member help me during this situation because these guys treat you with warmth and respect. The service is amazing , super consistent , they can always be reached and timely return the phone calls. If you want hassle free adjusters who will get you top dollar then look no further because these guys will make it happen for you beyond what you expect and far beyond what your insurance company would have paid if you tried to handle the claim yourself. Hire Jf public adjusters and put your trust in their hands without reserve. Their multiple and consistent 5 star reviews speak for themselves ! My final verdict - highest recommendation 🌟 🌟 🌟 🌟 🌟

T W.

My house burned down a few months ago. I was approached by more than 6 public adjuster who chase fire, I pick the one who seem to be least pushy and helpful at the time. That person didn't seem to work out after 3 months. I started Googling and going on Facebook to ask questions. I run into Joel in one of the Facebook group. He is very patient and explain many thing to me. So I decided work with Joel and let go of my first public adjuster. Not all public adjuster are the same, some are old school while Joel knows how to use newer technologies to help max the claim. Joel is also very good at communication, he is very busy but he always get back to you, either via email or via text message. Joel will let you know what his plan is and what is next and what is very important to me. Is it very important, you pick a good PA since the beginning so you don't end up waste your time as insurance claim can take a long time.

Deb S.

Joel Follman was amazing was very clear on the process. Answered all my questions, patiently. He traveled out to Monsey himself to explain . Thank you.

Gina M.

Joel has exceptional professional skills. He is prompt, thorough, and gives great attention to detail and he holds the insurance company accountable to their fiduciary responsibility in a timely manor.

motty k.

Right before a busy holiday, the main drain in my house collapsed all the way into the street, my basement as you can imagine was a disaster zone! Despite the busy time of year, Joel was there bright and early the next morning, and assured me we would get everything taken care of. He was professional and courteous, most of all he knows his stuff

israel b.

From the start joel and his team were there they made sure we got everyting possbile to recover what we were able to joel+ his team went above and beyond we had a busted pipe in Brooklyn water damag first i was shocked by it , ( not knowing wht to do ) my insurace broker sent me to joel he came straight away and did all the work going after insurance sedn his team of guy's and by the end Joel won and he was very helpful

Joseph P.

I had the pleasure of working with Joel on a bad flood in my Basment. He is a pleasure and a professional to work with help me every step of the way Would recommend him to family and friends he is a true professional and a master at his crafy

Deirdre M.

Joel at JF Public Adjusters has been very communicative, very knowledgeable and always quick to respond to my questions. He has helped me navigate an unusual situation and I highly recommend him.

Xiao J.

Joel is the best and very good advise and helpful info. Thank you

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.

Book a Free Consultation

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Partner With The Property Damage and Insurance Claim Experts

We Manage Your Claim From Start to Finish
Yuo 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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The Leading Property Damage Experts Are Here To Help

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.

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 97 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.

Services

Resources

Company

Brooklyn, New York

Staten Island, New York

Union, New Jersey

Mid-Hudson Valley

Book Your Free Claim Consultation

Book Your Free Claim Consultation

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

Protecting Your Interests is My Priority.

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 97 customer reviews.

BUSINESS INTERRUPTION FREQUENTLY ASKED QUESTIONS

What documents are needed to support a business interruption claim?

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

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

Request A Free Claim Review & Consultation

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

Services

Resources

Company

Brooklyn, New York

Staten Island, New York

Union, New Jersey

Mid-Hudson Valley

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