After the damage
Get Help With
Insurance Claims

ADJUSTING & APPRAISING • PROPERTY DAMAGE CLAIMS

Fire • Flood • Hail • Wind • Tree Fall • Vandalism • Loss of Rent • Business Interruption • Damage to Personal Property • and More

RESIDENTIAL OR COMMERCIAL –
GET HELP WITH INSURANCE REIMBURSEMENT

If your property has suffered damage, you may need help with the insurance claim process to get adequate reimbursement. We are specialize in advocating for your protection.

PRE-LOSS CONSULTATIONS

Make sure you are prepared in the event of damage or loss.

FREE EXPERT CLAIM INSPECTION

Contact us to inspect your damage and claim status.

Our Services

• Pre-Loss Consultation

A Pre-Loss Consultation is the best way to expedite the recovery process after a disaster. A Pre-Loss Consultation will document the current condition of your Property so that we can provide the Insurance Company definitive proof that your property was in the condition you said it was in prior the loss. Having to write an estimate for rebuilding a home from Facebook Photos and memories is a daunting task. But if we are armed with a complete estimate, measurements, photos and property description before disaster strikes, we can work much faster to restore your life.

• Public Adjusting

As a Public Adjuster, we can represent and assist you on every step of the claim process. We will measure, documents and present your claim to the Insurance Company. We also gather evidence needed to prove your claim. If needed, we will guide you through escalating your claim and disputing it further as we work with a great network of Contractors, Appraisers and Attorneys.

• Appraisal

If you are already having a dispute with your Carrier and would like to invoke the Appraisal Clause or the Carrier has invoked the Appraisal Clause, we can act as your Appraiser. As your Appraiser, we will work to reach a fair settlement as quickly as possible.

• Loss Consultation

We aid Attorneys by proving and quantifying losses for their clients. Our experience and expertise in determining both the cause of loss and the amount required to rehabilitate a property is relied upon by Attorneys to help their clients get the settlements they deserve.

FREQUENTLY ASKED QUESTIONS:

What is a Public Adjuster?

A Public Adjuster is someone that is licensed by the State to negotiate and adjust claims on behalf of the Policy Holders. We are experts at adjusting losses and the claims settlement process. We work for the Policy Holder. A Public Adjuster assists you, the insured, with preparing, filing, managing and negotiating your insurance claim.

Do I need help with my claim?

Insurance Claims require a written, itemized statement of the loss. Then, your insurance policy is applied to that list.

DID YOU KNOW? While some people just assume that the Insurance Company Adjuster will help them out, they don’t know Insurance Company Adjusters MUST keep the interests of the Insurance Company first.

Do I have to accept the claim amount offered by my Insurance Company?

NO. You have the right to dispute your claim and pursue what is owed. Remember, the Insurance Company is not in charge of your claim and must settle the claim fairly or face consequences.

Can’t my Insurance Agent help me with my claim?

Your Agent is trained in determining your insurance coverage needs – not adjusting and negotiating insurance claims. Your Agent can be helpful in getting you a copy of your Policy and explaining the Policy to you.

It is possible your Agent’s hands are “tied” because they are employed, either directly or indirectly, by the Insurance Company.

DID YOU KNOW? Insurance Agencies are often graded on their “Loss Ratio”. And, as an incentive to write less risky policies, they are rewarded for having fewer paid claims.

I have been denied or received a partial payment. Can I reopen my claim?

The answer is: Maybe. But, it’s definitely worth investigating!

Different states have different time limits. Your policy should clearly state how long you have. If you are unsure, contact us for a free claim review.

How is a Public Adjuster compensated?

A Public Adjuster’s compensation is a small amount of your insurance claim payment that is made to you. In Louisiana, we charge an hourly rate ($150/HR), but cap it depending on the claim. You don’t have to chose between paying us and paying your chosen Contractor.

WE DO NOT BILL UNLESS WE RECOVER MORE MONEY THAN YOU’VE ALREADY RECEIVED.

TIPS FOR THE INSURANCE CLAIM PROCESS

KEEP
NOTES

Keep a “claim journal” and document every bit of contact you have with the Insurance Company.

Document who you spoke to, what time/date, what you spoke about, and anything else about the contact (mood and attitude of the person you spoke with, explanations offered and if you felt pressured to do or accept something).

BE
CAUTIOUS

Do not believe anything your Insurance Company tells you.

Often, the employee relaying information to you will be misinformed. And, while they honestly believe what they’re saying, it is simply not true. If you are told something is not covered, or that your insurance will not pay for it, always ask why.

GET
COPIES

Ask for a complete copy of your insurance policy when you call your claim in.

Review it thoroughly. Ask your Agent to explain what coverages you have and what limitations are in your policy.

Keep copies of all estimates, receipts and invoices. Do not give away originals without keeping a copy on hand for your files.

PHOTOGRAPH
EVERYTHING

Take photographs of everything damaged that is relevant to your insurance claim.

Your photos can be very helpful if your Adjuster misses something and it is repaired before they see it. Providing Pre-Loss photographs and documentation along with your photos of damage is extremely helpful to document your loss.

MAINTAIN
PERSPECTIVE

Don’t lean on your Insurance Company for security or emotional support.

While the insurance personnel may be courteous, kind and even compassionate, ultimately they are simply focused on their business and resolving the matter to suit their interests. Don’t let emotion cloud your judgement.

ABOUT US:

COLT FRIDAY

President, Public Adjuster
LICENSED & BONDED • LICENSE #740504

Colt Friday grew up in Shreveport, Louisiana where he attended Byrd High School. Colt went on to serve in the Louisiana National Guard as a tank crew member in the 1/156th Armor. Colt started training to be a Public Adjuster in 2013 and began Public Adjusting full time in 2014.

Friday Claim Services - Member of NAPIA

Our Mission

Our Mission is to provide our clients the tools and expertise necessary for them to fully enforce the policy that they have paid for.

How we accomplish our mission:

Constantly refining and improving our investigative techniques. Any adjuster can find major damage, but it takes attention to detail to find damage that hidden, latent, or just plain hard to detect.

Using software that uses the latest pricing information for the region the damaged property is located in. Our estimates are thorough so that we account for every penny our clients are owed.

We strive to keep up with a fast paced and ever-changing industry. We network with Attorneys, other Public Adjusters, Engineers and even Insurance Company Adjusters to keep on top of changes and to react to what is coming before it arrives.

We spend hundreds of hours researching issues that impact policy holders so that we can be prepared for whatever scenario presents itself.

We provide excellent Pre-Loss Consultations that will leave you incredibly well prepared for even a total loss to your property. We carefully and thoroughly document both your contents and your home, business, or church structure. If you should suffer a total loss, it will be much easier to pick up the pieces later.

Contact Us Today

NO RISK CONSULTATIONS

We are here to help you get fully restored through the insurance claims process.

Your out of pocket should not be more than your deductible!

Contact us today & let us show you how we can help.

Call today!
318-393-2941

After the damage
Get Help With
Insurance Claims

ADJUSTING & APPRAISING • PROPERTY DAMAGE CLAIMS

Vandalism

Fire & Smoke

Flood & Mold

Wind & Hail

Pools & Enclosures

Roof Leaks

Roof Damage

Sewerage

Biohazard

RESIDENTIAL OR COMMERCIAL –
GET HELP WITH INSURANCE REIMBURSEMENT

PRE-LOSS CONSULTATIONS

FREE EXPERT CLAIM INSPECTION