The short answer: Friedman & Associates represents Atlanta and metro Atlanta policyholders in hail, wind, tornado, water, fire and commercial claims, and in our specialty: claims that were denied or underpaid. We work Fulton, Cobb, Cherokee, Forsyth and Fayette from one office. Fees are contingency only, capped by Georgia law at 33⅓%. 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
NOAA ledger
Reg. 120-2-52-.03
Every kind of Atlanta loss.
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. Atlanta is the Fox 5 market, and the Georgia House committee Joshua testified before sits downtown.
Want the fuller picture first? The film, the results register, and the client portal are all at the front door. Meet the firm →
What an Atlanta claim looks like
Atlanta is a city inside a forest, and the record proves it: page after page of hardwoods coming down on houses, from Grant Park to Lofton Road to Peachtree Hills. In town the buildings are old enough to be expensive to put back. Heart-pine framing, plaster, true divided-light sash, slate and clay tile are not drop-downs in estimating software, and a template will price them as something cheaper every time.
Then there is the geography. One storm crosses Fulton, Cobb, Cherokee, Forsyth and Fayette in a single afternoon, and each of those counties keeps its own federal record. Your claim lives or dies on the one that covers your address, and on a date somebody has to go and find.
High-value claims get private-client handling: strict confidentiality, your file held at the partner level, and the expert bench a complex property deserves. Private client services →
Not every claim qualifies. Three taps to find out if yours does.
The law and the clock
Georgia puts real deadlines on your carrier: acknowledge within 15 days, affirm or deny within 15 days of your completed proof of loss, and pay undisputed amounts within 10 days of confirming coverage (Reg. 120-2-52-.03). A denial must cite the specific policy provision it relies on. When coverage is admitted and only the number is wrong, the appraisal clause forces a binding valuation (McGowan v. Progressive, 2006).
One clock outranks everything: your policy's own "Suit Against Us" clause. Many Georgia policies allow as little as one year, and courts enforce it (White v. State Farm, 2012). Read yours the day a claim goes sideways — negotiation does not pause it.
The Fulton County record
The storm crosses county lines. Your policy does not. 180 logged events in Fulton since 2020, hail to 1.75" inside the city itself. The 2026 season is already on the record: 16 reports so far. Already this year, Mar 16, 2026: 60 mph wind logged at Ben Hill, in this county. Tying your damage to a dated event on this record is how a wear-and-tear opinion gets rebutted.
Inside the one-year window: 20 logged events in this county in the last twelve months, the most recent on Jul 29, 2026. Many Georgia policies allow as little as one year from the date of loss to file suit, so those are the dates still working for you.
| Date | Event | Size or speed | Where |
|---|---|---|---|
| Jul 29, 2026 † | Damaging wind | damage reported | Sandy Springs |
| Jul 29, 2026 † | Damaging wind | damage reported | Roswell |
| Jul 9, 2026 † | Damaging wind | damage reported | Lakewood Park |
| Jul 5, 2026 † | Damaging wind | damage reported | Sandy Springs |
| Jul 3, 2026 † | Damaging wind | damage reported | Sandy Springs |
| Jun 27, 2025 | Hail | 1" | Roswell |
| Mar 26, 2023 | Hail | 1.75" | Atlanta |
| Jul 19, 2022 | Damaging wind | 52 mph | Atlanta |
† preliminary NWS Local Storm Report; NOAA finalization pending. Every county we track has its own ledger: storm intelligence, refreshed weekly (last: 2026-08-10). Source: NOAA Storm Events Database, cross-read against NWS Local Storm Reports. Storm reports are point observations from spotters, stations, and survey teams — a sample of what happened, never an inventory. The absence of an entry for a date or place is not evidence that no damage occurred there.
The most severe on the county record
Carriers audit storm claims against this same federal record. By its own measurements, the worst of it looked like this:
| Date | Event | Where | Measured |
|---|---|---|---|
| May 3, 2021 | Tornado — EF1 | Campbellton | EF1 |
| Jan 9, 2024 | Tornado — EF0 | Fairburn Sky Port | EF0 |
| Apr 13, 2020 | Tornado — EF0 | Red Oak | EF0 |
| Mar 26, 2023 | Hail | Atlanta | 1.75" hail |
| Mar 26, 2023 | Hail | East Pt | 1.75" hail |
Ratings, hail sizes and wind speeds as recorded by the National Weather Service. NOAA also logs a rough dollar figure for some events; those are whole-event estimates entered by the local office, frequently blank and often far below real losses, so we do not publish them as if they meant anything about your claim.
Questions from around metro Atlanta
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.
Do you cover the whole metro, or just the city?
The whole metro. Atlanta and Buckhead in Fulton, Sandy Springs, Roswell, Alpharetta, Milton and Johns Creek to the north, Marietta, Kennesaw and Acworth in Cobb, Woodstock, Canton and Holly Springs in Cherokee, Cumming in Forsyth, and Peachtree City and Fayetteville to the south. One storm system, several counties, one firm.
How much does a public adjuster cost in Atlanta?
You pay nothing up front. Georgia caps public adjuster fees at 33⅓% of the settlement (O.C.G.A. § 33-23-43.3), and we work on contingency within that cap. No recovery, no fee, and the case review is free.
My house is a 1920s bungalow. Why is the estimate so low?
Because it was priced by software with modern defaults. Old-growth heart pine, plaster, true divided-light sash, slate and clay tile are not defaults, and putting them back to like kind and quality costs what it costs. That has to be scoped and priced before the carrier prices it for you.
I live in a high-rise condo. Whose insurance pays?
Both, and the split is written down. The association’s master policy covers the building to a line defined in the declarations; your HO-6 picks up from that line inward, plus loss assessment. Get both documents before anyone tells you which one applies.
The check will not restore the house. What is the lever?
Your policy carries one. When the carrier admits coverage but the number is wrong, the appraisal clause forces a binding valuation by independent appraisers, and Georgia courts treat the amount of loss as squarely appraisable (McGowan v. Progressive, 2006).
How long do I have to act after an Atlanta storm loss?
Two clocks matter. Your insurer owes you an acknowledgment within 15 days under Georgia regulation, so report promptly and in writing. The dangerous clock is your policy’s "Suit Against Us" clause: many Georgia policies allow as little as one year from the date of loss, and courts enforce it (White v. State Farm, 2012).
Can my roofer handle the insurance claim for me?
No, and Georgia drew that line to protect you. Adjusting or negotiating someone else’s claim takes a public adjuster license (O.C.G.A. § 33-23-43), and the law specifically bars roofing contractors from doing it (§ 10-1-393.12). That is no knock on your roofer. We handle the carrier, your roofer handles the roof, and we work well beside good contractors.
Prefer a quieter first step? Ask us anything, free: a real answer from a licensed adjuster, no strings.
Friedman & Associates are licensed Georgia public adjusters, not attorneys. Our work is the licensed practice of public adjusting under O.C.G.A. § 33-23-43: 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.
Don't take the carrier's first number. A free, confidential review by licensed Georgia public adjusters working every county in this metro. If we take the case, the fee comes from the recovery, never from you.
See if my case qualifies 770-230-2616