I've handled claims with that exact scenario. Not cheap at all, especially if the restaurant has high drive-through traffic. The loss of revenue can easily exceed the cost of the repairs to the building if you have to shut down their drive through. I've found that whenever possible, it's cheaper to pay the contractor an off-hours premium to have them do the work on overnights than it is to pay the restaurant owner for lost revenue. It's also much less hassle to calculate. "Oh, it's $x dollars? How much to fix it between 10pm-6am?" vs. rummaging through accounting documents and spreadsheets.