Hospitality
Occupancy · ADR · RevPAR · payroll · increased cost of working
The loss is not in the damaged rooms, but in those left out of service and in the payroll that kept running.
Industries
The variables we understand in each sector.
Listing sectors is not enough. What defines a quantification is knowing what drives the outcome in each industry.
Manufacturing
Capacity · work in progress · stock · production cost · recovery
Work in progress and unrealised production appear as finished goods in no record, which is why they get omitted.
Banking / multi-site
Locations · revenue · operational interruption · financial records
When damage hits several branches, the challenge is not quantifying one: it is reconciling all of them to consolidated accounts.
Energy / renewables
BI · insured values · underinsurance · indemnity period
Exposure is measured in unrealised generation and in how the sums insured were agreed against underinsurance.
Logistics
Stock · freight · customs · continuity · suppliers
Stored goods usually belong to third parties. Establishing who claims, and under which policy, decides recoverability.
Real estate
Rent · tenants · repair · downtime · common charges
The first question is not how much was lost, but who holds the insurable interest: owner, condominium or tenant.
Open claim, or an offer that doesn't add up?
An initial confidential conversation establishes whether a genuine technical opportunity exists before any fees are committed.