Institutional Rigor. Policyholder Focus.

We bridge the gap between complex financial data and insurance policy coverage.

The Insurance Carrier Has Experts. You Should Too.

In the aftermath of a disaster, the financial recovery process is often more damaging than the event itself. Insurance carriers deploy teams of forensic accountants with one goal: to interpret the data in a way that minimizes their exposure.

We exist to balance the scales.

We believe that every business owner, public adjuster, and attorney deserves access to the same "Big 4" level of financial analysis that the carriers use. We don't just compile numbers; we build forensic arguments.

Brian Drake, CPA

Principal & Founder

Brian Drake founded Drake Loss Consulting to solve a specific problem in the insurance industry: the disconnect between accounting data and claim reality.

Brian is a Certified Public Accountant (CPA) licensed in New York and holds a Public Adjuster license, a dual qualification that places him in a unique tier of forensic experts.

The "Big 4" Foundation: Brian began his career in auditing at a "Big 4" accounting firm, where he learned the rigorous standards of verification and documentation required by the world’s largest institutions. He applies these same standards to your insurance claim, ensuring that every calculation is documented, sourced, and ready to withstand scrutiny from carrier accountants.

The Public Adjuster Advantage: Brian brings more than just accounting theory to the table; he brings the strategic mindset of a Public Adjuster. Having successfully adjusted claims on behalf of policyholders, he understands that the numbers are meaningless if they don't align with the policy coverage. This experience allows him to bridge the gap between complex insurance contract language and the financial loss, ensuring that every dollar claimed is not only mathematically correct but contractually supported.

Operational Experience & Business Interruption: Unlike career consultants who have never run a P&L, Brian has held senior financial roles in the corporate sector, including corporate accounting for a publicly traded technology company and Financial Planning & Analysis (FP&A) for the nation’s largest wine and liquor distributor.

This operational background is the key differentiator in Business Interruption claims. Because a Business Interruption claim is a projection of the future rather than just a review of the past, Brian’s experience in FP&A - forecasting sales, analyzing trends, and modeling growth - is critical. He understands that a business is more than a tax return; he analyzes supply chain logistics, inventory turnover, and seasonality to build a "but-for" scenario that accurately captures the true nuance of your lost opportunity.

The CPA + Public Adjuster Advantage

Most forensic accountants see a claim as a math problem. Most adjusters see it as a contract problem.

We see both.

  • We ensure the numbers are fully substantiated by the general ledger, tax returns, and source documents.

  • We interpret those numbers specifically through the context of your policy. We know how to apply "Period of Restoration," identify "Extra Expenses," and leverage policy sub-limits that a standard accountant would miss.

The Result

A claim that is not only accurate but strategically maximized for coverage.

OUR CORE VALUES

  • We assume every file will go to litigation. We build our reports to be bulletproof from Day 1.

  • We know that a business without cash flow is dying. We work with urgency to get substantiated numbers to the carrier fast.

  • We do not inflate claims; we substantiate the Actual Loss Sustained. Our credibility is your greatest asset in negotiation.

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