Posted 2025-05-22
Standard ISO language with nothing about trends and modeling.
I would pull the policy and read if there is anything in there about trends, if not send it back to the adjuster asking for more money and why.
Most carriers look at a 3 yr history of sale days and pay Net Income + Loss Of Use + Payroll depending on Coverages chosen
True but this one is using business comps and modeling structures.
Read the policy. The carrier has to pay claims based on guidelines in policy language.
They aren't going to look at geographic trends, they are going to look at your insured's financial records and pay them their actual loss of income.