Georgia Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Georgia (GA).

Quick Reference

Key Deadlines

Acknowledgment
15 calendar days
Accept/Deny
60 calendar days (from receiving completed proof of loss for fire/extended coverage); 30 calendar days (from notice if no proof of loss required); Total time shall not exceed 60 calendar days from notice unless awaiting requested info
Investigation
60 calendar days (from receiving completed proof of loss for fire/extended coverage); 30 calendar days (from receiving claim if no proof of loss required)
Payment
10 calendar days
Status Updates
No specific statutory or regulatory requirement found

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (with_consent)

Regulatory Authority

Office of Commissioner of Insurance and Safety Fire (Georgia Department of Insurance)

Phone: (800) 656-2298 or (404) 656-2070; Address: 2 Martin Luther King Jr. Dr., Atlanta, GA 30334; Website: https://oci.georgia.gov/file-consumer-insurance-complaint

Bad Faith: O.C.G.A. § 33-4-6

Key Statutes

  • O.C.G.A. § 33-6-34
  • Ga. Comp. R. & Regs. 120-2-52-.01 et seq.
Last reviewed: April 1, 2026

Georgia handles claims correspondence according to specific state regulations. Requirements vary depending on the line of business and specific claim circumstances.

Acknowledgment

Every claim must be acknowledged within 15 days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.

Denial

A written denial must be issued within 15 days. The denial must reference the specific policy provisions, conditions, or exclusions relied upon.

Statutory Language

DOI contact info and appeal rights notice required.

Applicable Letter Templates

No letter templates currently found for this jurisdiction.