Mirabelle provides a diverse range of independent timeline and delay analysis services for the insurance industry. It is all about the critical path!

Delay Analysis is the process of piecing together all the events that have transpired during the construction process in order to measure the critical path and identify causes of delays or slow progress.

There is an ever increasing need for delay analysis services in a range of insurance matters. This is due to the increased complexity of projects and the amounts of money at stake. A lost day, can be worth millions, depending on the industry concerned.


We specialise in establishing the correct critical path of events and quantifying the impact on relevant insurance covers, such as Business Interruption (BI), Delay in Start-up (DSU) and Professional Indemnity (PI).

As experts in the most commonly used project planning tools (such as Primavera, MS Project and Tilos), we can quickly verify the accuracy and relevancy of technical information supplied to support claims.

Critical Path Validation

Establishing the ‘insured’ critical path is the essence of all time element insurance claims. Oftentimes, the delay and disruption aspect of claims will involve complex and interrelated issues. We perform the following:

  • Analysis or determination the critical path
  • Separation of the insured and uninsured events so that the correct indemnification is afforded
  • Assess the cause and consequences of delays and disruptions
  • Apply proven prospective and retrospective delay analysis techniques to quantify or reconstruct a sequence of events
  • Quantify the time implications of betterment (i.e. when reinstatement includes substantial improvement works)

Mitigation and Acceleration Measures

Spending a dollar to save a dollar. Sounds simple, but this is a dark art when the clock is ticking on insurance claims. So how do you assess this ‘Economic Limit Test’ when it comes to time?

The process of mitigation or acceleration of claims can involve large sums of money and require prompt and decisive decision making. We  assist the adjustment team with these decisions by evaluating and exploring time saving proposals, and forecast their potential impact on the completion date.

BI Reinstatement Project Support and Planning

Proactive involvement in the planning stage of reinstatement repair projects following a loss can have a favourable impact on reducing the interruption period. The services include

  • A detailed review of the reinstatement or repair programme
  • Identify potential planning risks and propose time saving options
  • Review the progress of the reinstatement works and advise on and changes of scope or programme slippage

Delay In Start-Up Claims 

DSU, or ALOP (Advanced Loss of Profit) claims are relatively simple in concept. That is, indemnifying the insured for any delays to the project completion caused by insured damage under a CAR (Contractors All Risk) policy. However, determining the amount of money the insured is owed is anything but simple.

A specific challenge is that a loss can only be fully adjusted once the project has reached completion. For a loss sustained early in the project, it is impossible to know at the time of the loss if it will result in a delay, and if so, how many days, week, or months it will be. Specific and detailed timeline analysis is essential in all DSU claims.

We offer the following services for DSU loss adjustment:

  • Establish an accurate status of the project progress prior to the loss
  • Model the potential impact of the delays and forecast revised completion dates
  • Monitor the remainder of the project and isolate insured and non-insured events from the critical path
  • Calculate the indemnified interruption period at completion