Scope sheet
finbryn.com
Forensic accounting
Business interruption insurance claim accounting
Business interruption claim accounting from Finbryn quantifies a US policyholder's lost income against the specific policy period, reconciled to the business's own pre-event financial records. Continuing and saved expenses are separated so the claimed figure reflects the net loss the policy actually covers, reviewed by a senior reviewer before it reaches the adjuster.
What is included
- A policy-period loss calculation reconciled to pre-event financial statements
- A continuing-versus-saved expense schedule with the basis for each classification
- A summary exhibit organized the way an adjuster reviews a claim
- A full source-document index behind every figure on the schedule
- By-location or by-revenue-stream detail where the claim spans more than one
- A documented basis for every adjustment made to the pre-event baseline
- Revised schedules turned around as the adjuster's review proceeds
- Coordination notes for the policyholder's broker or attorney
The process
- 1.
Read the policy first
The coverage form, the indemnity or restoration period, and any sub-limits are reviewed before the financials are touched, since they set the calculation's boundaries.
- 2.
Establish the pre-event baseline
Historical financial statements are reconciled to bank and tax records to create a reliable measure of what the business would have earned.
- 3.
Calculate the loss against the policy period
Lost income is measured against the exact period the policy covers, adjusted only for documented trends unrelated to the event.
- 4.
Classify continuing and saved expenses
Every expense category is reviewed line by line to determine whether it continued during the closure or was avoided.
- 5.
Senior review
A senior reviewer checks the loss figure, the expense classification, and the baseline reconciliation before delivery.
- 6.
Package for the adjuster
The policy period, the loss calculation, the expense schedule, and the source documents are organized into one summary exhibit.
- 7.
Revise through the claim
Schedules are updated as the adjuster requests more detail or the claim moves toward a proof of loss or settlement.
Software
Microsoft Excel, QuickBooks Online, Xero, NetSuite, CaseWare IDEA
Quality control
A senior reviewer reviews the full package before it goes to the adjuster, checking the loss figure, the expense classification, and the reconciliation to pre-event statements for internal consistency.
Pricing
Business interruption claims are scoped and quoted individually, not priced off a flat tier. After a scoping call covering the policy, the event, and the records available, we quote the engagement on the same footing as the Scale tier on our US rate card, so you have a number in writing before work starts.
Finbryn is a brand of Northlane Solutions Inc., a Delaware corporation.
Reviewed September 2026