# Develop an interruption claim through layers and unpaid balances

Adopt [Insurance basis](insurance-basis.md). Produce one connected claim account from the supplied physical event, business interruption evidence, operative policies, tower and prior claim estimate. The caller supplies claim and insured identities, event and valuation dates, information cutoff, business records, restoration evidence, physical-loss valuation, policy documents, prior recognition and settled payments, estimate purpose and output scope. This commission prepares an analysis; any requested external action requires a separately selected action agreement and authority.

Invoke [Policy reconstruction](policy-reconstruction.md) and [Coverage analysis](coverage-analysis.md) on that same identified event and record. Use the established physical-damage and interruption triggers separately. Preserve disputed facts and materially different coverage scenarios instead of making the amount worker resolve them silently.

For each retained scenario invoke [Interruption loss](interruption-loss.md), forwarding the same time boundaries and the caller's selected Counterfactual and Restoration contracts, if any. Retain each selected worker's actual result. Construct a time-indexed reconciliation of lost contribution, saved expenses, mitigation, extra expense and waiting/restoration exclusions. Combine its supported interruption measure with the separately evidenced physical loss once; identify any cost present in both records and eliminate duplication under the actual valuation terms.

Pass that combined scenario to [Indemnity calculation](indemnity-calculation.md) for the shared valuation and financial terms. Where a tower is supplied, preserve the ground-up basis and invoke [Layer allocation](layer-allocation.md) on it with the selected Allocation-rule, if any. Do not apply a retention in the common calculation and then apply it again through the tower's ground-up attachments. The common calculation must say which operations belong at which level; the layer result supplies insurer-specific obligation and erosion. Without a tower, the single-policy indemnity supplies those obligations.

Invoke [Unpaid claims](unpaid-claims.md) for the identified claim using those actual obligations, matching settled payments and the caller's estimate measure. This role receives every unresolved scenario and its conditional status; no probabilities or portfolio IBNR arise from this claim-level bridge. Reconcile prior unpaid to current unpaid through payments, revised loss/coverage/terms and any scope changes. Show the same movement as ultimate-obligation change less additional payments. A prior estimate's aggregate use must not be charged again in a replacement valuation of the same claim.

Return the connected account, actual role results or identifiable sections, component-to-scenario correspondence, layer and unpaid reconciliations, sensitivities and remaining evidence requests. Nested work may be done by one executor; the requirement is actual work and preserved bindings, not a particular number of agents. A supported conditional account can fulfill an analysis commission; missing required role work cannot be replaced by a plausible final total. Keep the estimate distinct from management selection, booked reserves, accepted coverage and payment.