Which Georgia division of insurance handles homeowner claim problems?
Short answer. Georgia's insurance regulator is the Office of Commissioner of Insurance and Safety Fire, and claim problems go to its Consumer Services Division. License questions about agents and adjusters go through its online license lookup, and suspected insurance fraud goes to its fraud investigators.
Match the problem to the right place
- Claim delays, unexplained denials, unanswered calls: Consumer Services, at (404) 656-2070 in metro Atlanta or (800) 656-2298 toll free, or online at oci.georgia.gov.
- Is this agent, adjuster, or public adjuster licensed? The license lookup on the same site.
- Suspected insurance fraud by a contractor, adjuster, or anyone else: the office's fraud investigators, who take reports through the website.
- A contractor who took a deposit and vanished: usually the Attorney General's Consumer Protection Division, not the insurance office.
- Permits and code questions on a reroof: your city or county building department.
What Consumer Services needs from you
Your policy and claim numbers, the insurer's name, the date of loss, a short timeline of contacts, and copies of the estimate, any denial letter, and your contractor's estimate. Keep it factual: what you asked for, when, and what the insurer did or did not do. The office sends your complaint to the insurer and asks for a written response.
What it will not decide
The division does not set the price of your roof or pick between two estimates. Price disputes usually go through the policy's appraisal clause. For the complaint itself, see how to file a complaint with the Georgia Insurance Commissioner, and for the deadlines insurers are expected to meet, see the Georgia roof claim timeline.