Business Insurance Claims Consulting

When catastrophes strike a business’ assets and operations, the ability to recover quickly and restore normal operations is of critical importance. For more than 25 years, Stout professionals have quantified claims for business interruption and property loss in an efficient and coordinated manner, helping to facilitate and maximize a timely insurance recovery.

Business Interruption

Our experts have significant experience measuring the economic impact resulting from the disruption of business operations, whether it be related to business interruption claims or complex commercial disputes. We offer relevant skills and knowledge of accounting systems and data retrieval, forensic accounting and investigations, financial and economic analysis, and the valuation of business entities, as well as familiarity with relevant insurance policy provisions for measuring these claims.

We have assessed and presented business interruption claims from $100,000 to over $100 million on coverage of a single insurance policy to multiple layers of policies. These claims were made on behalf of, but not limited to:

  • Small manufacturers
  • Retailers
  • Hotel and entertainment businesses
  • Food and commodity operations
  • Farm and livestock operations
  • Large industrial companies
  • Oil and gas participants
  • Logistics/Distribution
  • Transportation companies
  • Hospital and healthcare facilities

Real Estate

Our licensed and credentialed real estate appraisers can determine the appropriate market value and replacement value for a variety of tangible assets. These appraisals consider total or partial loss of value to the subject property. Coordinating with technical engineers, we determine the replacement value of destroyed or impaired special purpose real estate and integrated production facilities incorporating machinery and equipment. We also provide independent valuations for insurance placement purposes to ensure that assets have the correct coverage.

Machinery & Equipment

Stout has an experienced national team of machinery and equipment appraisers. Our appraisers have valued numerous commercial and industrial facilities, including manufacturing facilities, chemical facilities, and refining complexes. These valuations have been performed for numerous purposes, including insurance placement and claims. Our experience covers a range of situations and site conditions, under which we have evaluated replacement cost, fair market value, and a variety of other standards and premises of value. In developing realistic and supportable machinery and equipment appraisals, we regularly consider the total costs associated with an installed asset and its replacement, including shipping, installation/commissioning, ancillary equipment, and more.

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