International Property and Business Interruption

Major property claims are not limited to the cost of repairing a building or replacing a damaged asset. In many cases, the more sensitive issue is the impact of physical damage on the ability of a business or industrial operation to continue, resulting in lost revenue, extra expenses or delay in returning to normal operations.

River City Technical Consultants provides property damage assessment and business interruption loss calculation for commercial and industrial facilities. The service combines technical inspection with financial analysis to support insurers, reinsurers and brokers with a clear and reviewable claim assessment.

Property Damage Scope

• Building and facility damage assessment.
• Machinery and fixed asset damage.
• Stock, material and product losses.
• Repair, replacement and reinstatement costs.
• Debris removal and temporary protection expenses.
• Review of contractor and supplier quotations.

Business Interruption

For business interruption claims, it is not sufficient to show that operations stopped after the incident. It is necessary to identify the link between physical damage and interruption, the reasonable interruption period, affected revenue, saved costs and extra expenses incurred to reduce the loss. Historical trading trends and external market factors must also be considered.

Documents Reviewed

• Policy wording and property and business interruption coverage.
• Survey reports, photographs and drawings.
• Invoices, quotations and contractor estimates.
• Financial statements, sales and production records.
• Inventory, purchasing and fixed or variable cost records.
• Extra expense documents and mitigation measures.

Balanced Methodology

We separate losses directly caused by the insured event from any decline caused by market or operational factors unrelated to the incident. We also verify that the claimed interruption period reflects a reasonable reinstatement period rather than administrative or commercial delay.

The service delivers an assessment that combines technical accuracy and financial clarity, supporting large property and business interruption claims involving local and international stakeholders.