The short answer: Friedman & Associates represents business owners in Georgia, Tennessee, and South Carolina in business interruption claims: lost profits, extra expense, and the period of restoration, and in our specialty, BI claims that were denied or underpaid. Forensic accountants on the file from day one. No recovery, no fee. Call 877-650-3515 or text the partners.
Call us before you call your carrier. The first phone call shapes the whole claim. Already filed, or an adjuster already assigned? We're still your next call.
What we take command of
Results and press
$1,664,329 recovered above the carriers' first offers on just 10 recent published files, from more than a decade of this work. See real case results. You could be next.
"He helped me recover 4 times what insurance was offering… extremely diligent and moralistic in how he worked."Kelly, Google review · 4.8★ across 23 reviews · read them all
When you hire the firm, you get the partners: Joshua and Hannah Friedman, with Callie Macho on client success. Not a call center.
Want the fuller picture first? The film, the results register, and the client portal are all at the front door. Meet the firm →
How the income model gets proven
Lost profits are a projection, and a carrier knows a soft projection when it sees one. So we build a bulletproof model of what your business would have earned had the disaster never occurred: forensic accountants from day one, working from your own sales history, tax returns, and seasonality, checked against market data.
Two quiet ways these claims starve. Extra expense pays on receipts, and receipts nobody tracked from day one are gone. And the BI claim sits on top of the property claim: underdocument the damage underneath, and the carrier shortens the period of restoration until the income checks stop early.
Not every claim qualifies. Three taps to find out if yours does.
The law and the clock
Every business interruption claim stands on direct physical loss to covered property, and Georgia's courts read that phrase strictly (AFLAC v. Chubb & Son, on our shelf in full, free). That is why the property claim under your BI claim has to be airtight before the income model can hold. The policy defines the period of restoration, and we hold the carrier's reading of it to the evidence.
One clock outranks everything: your policy's own "Suit Against Us" clause. Read it the day a claim goes sideways. Do not assume negotiations extend the deadline; the governing policy and law control, and deadline questions belong with counsel.
Questions owners ask us
Should I call you before I call my insurance company?
Yes. The first call shapes the whole claim, and if you already filed, we step in at any stage. The earlier, the better.
How do you prove what the business lost?
From your own records. Sales history, tax returns, payroll, and market data become a model of what the business would have earned, built with forensic accountants.
Our supplier burned down and we cannot produce. Are we covered?
Possibly. Many commercial policies include contingent business interruption for a damaged supplier or customer, and the answer lives in your policy’s own wording, so have us read it.
How long does business interruption pay?
Through the period of restoration. The policy defines that window, carriers argue for the shortest version of it, and that timeline is usually the biggest fight in the claim.
We slowed down but never closed. Is that still a claim?
Often, yes. Lost income is measured against what you would have earned, not against zero.
The claim is already open and going badly. Can you take over?
Yes. We take over mid-claim, rebuild the model, and renegotiate the number the carrier thought was settled.
What does this cost the business?
Nothing up front. The fee is a percentage of what we recover, so no recovery means no fee.
Our restoration contractor offered to handle the claim. Is that normal?
It is common, and it is not their lane. That is no knock on your contractor: they handle the build, we handle the carrier, and we work well beside good ones.
Prefer a quieter first step? Ask us anything, free: a real answer from a licensed adjuster, no strings.
Friedman & Associates are licensed public adjusters in Georgia, Tennessee, and South Carolina, not attorneys. Our work is the licensed practice of public adjusting: reading the policy, documenting and valuing the loss, with independent forensic accountants where the loss warrants, negotiating with the carrier, and preparing appraisal. Nothing on this page is legal advice, and litigation, including bad-faith suits, is referred to independent policyholder counsel.
We find the money they left on the table. A free, confidential review of your business interruption claim by licensed public adjusters. If we take the case, the fee comes from the recovery, never from you.
See if my case qualifies 877-650-3515