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Rental Income Loss Duration Calculator
Loss persists beyond restoration into lease-up.
Total rental income lost
$1,176,000
Restoration period loss
$720,000
Lease-up period loss
$456,000
How the math works
Resto loss = rent × months (100% loss). Lease-up loss = sum of monthly shortfall as occupancy ramps toward stabilized.
$120k × 6 mo = $720k resto. Lease-up: ramp from 0 to 95% over 9 mo = $514k. Total $1.23M — only first half covered by standard BI.
How to Use
- Enter monthly rent at 100%.
- Enter restoration months.
- Enter lease-up months.
- Enter stabilized occupancy %.
- Read total rental income lost.
Frequently Asked Questions
Why does loss continue?
Restoration ends at CO; tenants must relocate back (if commercial) or re-lease (residential). Lease-up to stabilization: 6-18 months for residential, longer for commercial. Revenue ramps from zero to target during this period.
Extended period indemnity (EPI)?
BI coverage extension that funds income loss during lease-up after restoration. Typically 6-12 months. Essential for properties where tenants have moved permanently during restoration. Separate add-on — verify it's in policy.
Full recovery?
Residential: 9-15 months typical total (3 months resto + 6 months lease-up). Commercial office: 12-24 months total (6 months resto + 12-18 lease-up). Retail: 9-18 months (4 months resto + 6-12 re-tenanting). Industrial: fastest, 6-12 months.
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