We have a client (a workout gym) that had a fire January 1. Friends and customers started a GoFundMe which raised $30,000 in January. Insured was able to relocate down the street in temporary space. Relocation and temporary expenses are being considered as extra expense; but have yet to be paid.

Insurance company accountant wants to use the GoFundMe donations as an offset to the income loss. We said donations are not business income and the donations went to pay for uninsured loss. (BPP insured for $90,000 and loss was $130,000).

Is their logic correct, Example: if we give a neighbor who had a kitchen fire a casserole; should that come off their insurance claim's food loss.