Post Closing Adjustment Claims Calculator

Post-closing has adjustment claims. This calculator reserves.

Purchase price

Complexity (1-3, 3=high)

Tenant count

Concessions at closing

Claims reserve estimate

$144,000

Reserve % of purchase

0.80%

Est claims per tenant

$3,200

How the math works

Base = 0.2-1% based on complexity. Adjust for tenant count and concessions.

$18M at complexity 2 (0.5%) + 45 tenants (+0.2%) + $250k concessions (+0.1%) = 0.8% → $144k reserve. Hold 18 months; release balance. Protects against post-closing surprises.

How to Use

Enter purchase price.
Enter deal complexity (1-3).
Enter tenant count.
Enter concessions at closing.
Read claims reserve estimate.

Frequently Asked Questions

Typical claims?

Rent reconciliation disputes. Delinquency assignments. Security deposit discrepancies. CAM true-ups. Service contract prorations. Utility prorations. Property condition disclosures. Environmental surprise findings. Each can add 0.1-0.5% of purchase price.

Reserve size?

Simple asset (single-tenant NNN): 0.1-0.25% reserve. Multi-tenant: 0.3-0.7%. Complex (lease-up, environmental, title issues): 0.75-1.5%. Hold 12-24 months; release balance. Some buyers fully reserve 1-2% at closing to avoid disputes.

Managing?

Rigorous pre-closing diligence minimizes. Clear PSA provisions on reconciliation. Active post-close monitoring (first 90 days catches most). CPA engaged to audit reconciliations. Avoid sitting on issues — escalate quickly.

How do insurance carriers view this?

Insurance carriers underwrite per-peril and often stack deductibles — named storm, wind, hail, flood, and standard can all apply separately on a single event. Confirm with your broker which deductibles actually apply to your policy and stress-test liquidity against the highest applicable deductible. Endorsements and riders can modify base terms; read declarations carefully and keep a written summary on file for claim time.