The short answer: Friedman & Associates represents business owners across Georgia, Tennessee, and South Carolina in commercial property claims: structure, inventory, machinery, and business interruption, and in our specialty, claims that were denied or underpaid. Your business is your livelihood, and we treat its claim that way. Licensed public adjusters. No recovery, no fee. Call 770-230-2616 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.
O.C.G.A. § 33-23-43.3
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. And on commercial files, Joshua leads the negotiation personally.
Want the fuller picture first? The film, the results register, and the client portal are all at the front door. Meet the firm →
Where commercial claims get underpaid
Coinsurance penalties bite at claim time, not at renewal. Insure the building below the percentage the clause requires and the carrier scales every payment down. Flat roofs get their own version: a patch price on a membrane system while wet insulation sits under it, and the whole roof keeps failing.
Business interruption rides on the property claim's documentation, so a thin building file starves the income claim too. We build both together: fight the depreciation, pursue full replacement cost, and bring the experts the loss requires, from structural engineers and industrial hygienists to forensic accountants. Settling for anything less than the full value of your claim is not an option.
Not every claim qualifies. Three taps to find out if yours does.
The law and the clock
Commercial policies carry their own clocks: proof-of-loss deadlines, appraisal windows, and suit limitation periods that keep running while you negotiate. Georgia adds a penalty with teeth: an insurer's bad-faith refusal to pay can cost it up to 50 percent of the loss plus attorney's fees (O.C.G.A. § 33-4-6). Tennessee and South Carolina carry penalty and fee-shift statutes of their own, and we build every commercial file as if a judge will one day read it.
One clock outranks everything: your policy's own "Suit Against Us" clause. Many policies shorten the deadline by contract. Read yours the day a claim goes sideways — negotiation does not pause it.
Questions from business owners
Should I call you before I call my insurance company?
Yes. What gets said in the first call shapes the whole claim, so talk to us first. Already filed, or an adjuster already assigned? Call us anyway. We step in at any stage, and the earlier the better.
Who pays you?
You pay nothing up front. The fee is contingency, paid from the recovery within each state’s statutory cap, and Georgia sets that cap at 33.3 percent. No recovery, no fee.
Can we stay open during the claim?
Usually, yes, and the claim gets planned around your operations. Whether you stay open changes the business-interruption math, so hours, payroll, and every extra expense get documented from day one.
The carrier says a coinsurance penalty applies. Is that final?
No. A coinsurance penalty is a calculation, and calculations get checked. It turns on the building’s true values and the policy’s valuation method, and both deserve a second read before you accept a reduced number.
Our claim is already in litigation. Can you still help?
Often, yes, working beside your attorney rather than around them. We are not attorneys. We prepare the documentation and valuation your counsel argues from, and litigation itself stays with independent policyholder counsel.
Our contractor offered to handle the insurance claim. Is that normal?
It is common, and the roles work best kept clean. That is no knock on your builder: we handle the carrier, your contractor handles the build, and we work well beside good contractors.
The carrier is sending an engineer. Should we be worried?
No, but the carrier’s expert should not be the only expert in the file. When the loss calls for it, we field our own bench: structural engineers, industrial hygienists, and forensic accountants on the income side.
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, 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.
Your business is your livelihood. Don't entrust its recovery to an adjuster paid by the insurance company. A free, confidential review by licensed public adjusters in Georgia, Tennessee, and South Carolina. If we take the case, the fee comes from the recovery, never from you.
See if my case qualifies 770-230-2616