Short answer: Under Georgia insurance regulation 120-2-52-.03, your insurer must acknowledge a property damage claim within 15 days. It must also send any proof-of-loss forms within 15 days, and it must accept or deny the claim within 15 days of receiving your completed proof of loss. If no proof of loss is required, the deadline is 30 days from when you reported the claim. If it needs more time, it must tell you why, and the total generally can't exceed 60 days unless you still owe requested information.
The timeline
From Ga. Comp. R. & Regs. 120-2-52-.03:
| Step | Deadline |
|---|---|
| Acknowledge your claim | 15 days after notice |
| Send proof-of-loss forms | 15 days after notice |
| Accept or deny | 15 days after the completed proof of loss (30 days after the report if no proof of loss is required) |
| Explain a delay | Within 5 business days after that deadline passes |
| Overall limit | 60 days, unless requested information is outstanding |
Notice given to your agent counts as notice to the insurer.
What to do
The Georgia Office of Insurance claim tips say to report claims promptly, make temporary repairs to prevent further damage, keep receipts, and photograph the damage before you fix it.
If the deadlines are missed
First ask your insurer to fix the problem. If it doesn't, file a complaint with OCI Consumer Services. Include your policy and claim numbers and copies of your letters with the insurer.
If you can't find coverage at all, OCI's homeowners guide points to the Georgia FAIR Plan.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Georgia.
Frequently asked questions
How long does a Georgia insurer have to acknowledge a claim?
15 days after notice, unless it pays within that time.
How long to accept or deny?
15 days after the completed proof of loss, or 30 days after the report if no proof of loss is required. The total generally can't exceed 60 days.
Where do I complain in Georgia?
OCI Consumer Services, after you've first tried to resolve it with the insurer.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.