Skip to content
No fee unless we recover money for you.
NorthwestConstruction &Insurance Law
CallRecovery Review

Commercial services

Loss of Rents and Business Interruption

Owner-side counsel for rent-loss, business-income, downtime, extra-expense, and restoration-period disputes tied to serious property damage.

No fee unless money is recovered on accepted matters, subject to a written fee agreement.

Representative results

A relevant commercial result

Commercial strip center in Portland

$1.8 million recovered

Commercial water-loss insurance underpayment

The matter resolved for $1.8 million after the insurer offered $55,432.32, including code-upgrade and loss-of-rent components.

Read the case result

Representative results are examples only. Every matter depends on its own facts, evidence, timing, contracts, policies, parties, defenses, damages, and applicable law. Past results do not guarantee future outcomes.

What the dispute involves

Loss of rents

Vacancy, concessions, delayed turnover, tenant departure, or space being taken offline for repairs can all affect the owner's actual income loss.

Business interruption

Operating businesses may face reduced revenue, shutdown periods, relocation costs, payroll strain, or other losses that need accounting support tied to the property damage.

Restoration-period disputes

The insurer or opposing party may argue the downtime should have been shorter, that the space would have been vacant anyway, or that the loss was caused by something else.

What the review examines

Lease and rent-roll proof

Leases, amendments, tenant ledgers, renewal history, abatements, concessions, and vacancy records.

Timeline proof

Date of loss, mitigation, inspections, permits, contractor schedules, payment delays, and completion dates.

Accounting support

Financial statements, tax returns, bank records, sales reports, management reports, and other records needed to show the income baseline.

Mitigation and extra expense

Temporary space, overtime, accelerated work, protective measures, and other costs incurred to reduce or manage the interruption.

Records to prepare

Start with a short summary. Prepare these records and provide selected documents when the firm requests them after initial review.

  • Policy and declarations
  • Leases, rent roll, and tenant ledgers
  • Property-management notes and tenant communications
  • Financial statements, tax returns, and bank records
  • Repair schedule, permit timeline, and contractor updates
  • Carrier position, payments, and delay correspondence

Connect rent loss to the repair timeline

Keep ordinary vacancy separate from changes linked to the damage. Use actual dates and records rather than filling gaps with assumptions.

Timeline point
Before the loss
Property record
Unit or space condition and occupancy
Income record
Lease, rent roll and payment history
Timeline point
Damage and restrictions
Property record
Date of loss, affected space and use restrictions
Income record
Tenant notice, abatement or concession agreement
Timeline point
Repair period
Property record
Permits, schedules, access and delay correspondence
Income record
Tenant ledger and damage-related changes
Timeline point
Return to use
Property record
Completion and occupancy records
Income record
Resumed rent, reletting dates and unresolved losses
Initial review

Bring the property and the business impact into view.

Describe the damage, the response so far, and any upcoming repair, tenant, or project decision. The initial review can identify what further information is needed.

No fee unless money is recovered for you on accepted matters, subject to a written fee agreement.