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State resource center
Georgia claim resources.
A single starting point for Georgia-specific guidance, primary sources, and the broader claim topics you may need next.
Reviewed guide updated September 25, 2023 · Fact-checked by Brelly Legal Team
The deep guide
The Georgia Guide to Property Insurance Claims: Deadlines, Laws, and FAQs
Essential information for homeowners, businesses, and professionals about Georgia property insurance claims, including FAQs.
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Making Your Claim -- Frequently Asked Questions
The first step in your property insurance claim is to notify your insurer about your losses. Not only is doing this the only way to get your claim moving, it’s one of your duties of a loss under your insurance policy.
Proving Your Loss - Frequently Asked Questions
After you’ve notified your insurance company and started your claim, you need to prove your losses to your insurance company. Proving that your property suffered losses and that those losses are covered under your insurance policy is at the heart of an insurance claim. As a result, it’s also the most difficult stage in the claims process and where policyholders most often make mistakes. Fortunately, Georgia laws do provide you with basic protections at this stage under the Georgia Insurance Code. Read more to understand how.
Getting Your Check -- Frequently Asked Questions
Getting reimbursed for your losses — it’s the reason you pay premiums. Here are answer to frequently asked questions as this last, critical stage in your insurance claim.
Primary sources
See where the guidance comes from.
The guide links sources beside the assertion they support. This directory provides a state-level route into the reviewed source set.
Reviewed source
Georgia Rules & Regulations 120-2-19-.01 — Standard Fire Policy
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Georgia Code § 33-24-46 — Cancellation or nonrenewal of certain property insurance policies.
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Georgia Code § 33-24-17 — Assignment of policies.
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Georgia Code § 33-32-3 — Privilege of rebuilding or reinstating property sustaining loss or damage.
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Georgia Code § 33-32-4 — Refund of premium payments where insured sustaining total loss of property receives less than maximum amount payable under policy.
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Georgia Code § 33-32-5 — Amount of insurance in certain fire policies deemed conclusive as to value of property covered.
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Georgia Code § 33-6-3 — Unfair methods of competition or unfair and deceptive acts or practices prohibited.
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Georgia Code § 33-6-4 — Enumeration of unfair methods of competition and unfair or deceptive acts or practices; penalty.
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Georgia Code § 33-6-5 — Other unfair methods of competition and unfair and deceptive acts or practices.
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Georgia Code § 33-6-6 — Power of Commissioner as to investigation of unfair or deceptive acts or practices generally.
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Georgia Code § 33-6-7 — Conduct of hearings by Commissioner; rights of person being investigated; powers of Commissioner; service of process.
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Georgia Code § 33-6-8 — Issuance of cease and desist orders; issuance of orders providing for other relief; change in orders; date on which orders appealable.
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Georgia Code § 33-6-9 — Penalties for violations of cease and desist orders.
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Georgia Code § 33-6-32 — Definitions.
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Georgia Code § 33-6-33 — When claims settlement practice improper.
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Georgia Code § 33-6-34 — Unfair claims settlement practices.
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Georgia Code § 33-6-35 — Notice of hearing; hearing procedures; cease and desist orders; penalties; judicial review; intervenors.
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Georgia Code § 33-6-37 — Private cause of action not created or implied.
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Georgia Code § 33-4-6 — Liability of insurer for damages and attorney’s fees; notice to Commissioner and consumers’ insurance advocate. [ Bad Faith ]
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Georgia Code § 33-24-8 — Admissibility in evidence of applications in actions between insurer and insured.
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