Complex commercial losses can disrupt operations, damage critical assets, and create significant financial strain. These claims often involve multiple coverage areas, including building, business personal property, inventory, equipment, and business interruption.
Compared to residential losses, the documentation and valuation process is more technical and often requires coordination with forensic accountants, engineers, and industry-specific specialists. CLFPA works with business owners to understand operations, quantify the impact of the loss, and prepare a clear, well-supported claim submission.
Commercial claims can slow when inspections take time to schedule, specialized equipment requires detailed pricing support, coverage terms require careful analysis, or the business interruption period needs additional records and documentation. Meanwhile, owners and key staff are pulled away from day-to-day operations to gather documents, coordinate site access, respond to follow-up requests, and track claim status.
CLFPA helps reduce that burden by coordinating the process and presenting a clear, well-supported claim, so your business can focus on recovery.
Professional Credentials Grounded in Industry Standards. My designations demonstrate advanced training in property claims, valuation, and policy interpretation. BBB Accredited for Professional Business Standards.
Meet Your Public Adjuster Christopher L. Friedley
When you choose to work with a Public Adjuster, you are choosing to spend the next 3, 6, or even 12 months with that professional on your insurance claim. You deserve someone you can trust, who will take a comprehensive look at your loss and your policy, document your claim completely, and defend your interests with the insurance company. You need someone who understands your needs and will communicate clearly and often with you on the status of your claim and what's coming next.
My mission is to be that kind of public adjuster for business owners and families in Mississippi and Louisiana, because I understand first-hand what it's like to be on the other side.
That's because when Hurricane Katrina struck Mississippi in 2005, like many in our community, I experienced firsthand the devastation along the Gulf Coast. I spent nine hours clinging to a live oak tree in Biloxi after my in-laws’ home was swept away in the storm surge. In the aftermath, I watched my family navigate a technically complex insurance claim involving wind versus water damage, and I saw how detailed documentation and policy interpretation–or its absence–can significantly affect the outcome of a loss.
Should You Start with a Public Adjuster or an Attorney?
In many cases, a Public Adjuster can assist with claim documentation, valuation, and presentation before legal action becomes necessary. By addressing scope, pricing, and documentation issues early in the process, some disputes can be resolved without litigation.
Public Adjusters and insurance attorneys serve different roles. If legal issues arise, coverage disputes develop, or litigation becomes necessary, an attorney may be appropriate. In other situations, professional claim preparation and documentation may help clarify issues and move the claim forward.
I regularly work with insurance attorneys when the situation calls for it, and I’m familiar with the documentation, timelines, and coordination that matter once counsel is involved.
What to Expect
While every commercial policy and claim is unique, here’s what you can generally expect when we work together on your commercial claim. (Note that the process may vary slightly in Louisiana due to state-specific requirements.)
Free Consultation
Every client receives a no-cost consultation to review the facts of the loss, the scope of damage, the current claim status, and available documentation, so I can determine whether I can help and outline next steps.
Policy Interpretation
After you hire me, I analyze your insurance policy in detail, identify applicable coverages, and explain them in clear terms, so you understand what the policy provides for your claim.
Comprehensive Documentation
Using industry-standard tools and formats, I assess and document the full scope of your loss, including structural damage, contents, and other covered items, to build a clear foundation for your claim.
Claim Filing**
With over 20 years in property claims, I handle the paperwork and submissions so your claim is organized, complete, and ready for carrier review.
Direct Negotiation**
With nearly two decades of claims experience, I work directly with the insurer to resolve scope and pricing issues and support a fair, well-documented settlement under the policy.
After Payment Support
After you receive payment, I can help coordinate documentation during repairs and submit the information needed to recover any additional replacement cost amounts available under your policy.