What does the Georgia Office of Insurance do for homeowners with a roof claim?
Short answer. The Georgia Office of the Commissioner of Insurance and Safety Fire licenses and regulates insurers, agents and adjusters, enforces the state's claim handling rules, and takes consumer complaints. On a roof claim it can press an insurer to respond and explain its decision, but it does not inspect roofs or decide how much damage there is.
How it can help
- Delays. Georgia rules set deadlines to acknowledge claims, explain delays and pay agreed amounts, and the office can follow up when an insurer misses them.
- No explanation. If a denial letter does not point to policy language, a complaint can prompt a fuller written answer.
- Licensing. It can confirm whether an adjuster or public adjuster is licensed, and it investigates insurance fraud.
- Oversight. Complaints feed the office's review of how companies treat Georgia policyholders.
Where it stops
- It does not send anyone to look at your roof.
- It does not license roofing contractors; those questions go to the Secretary of State's licensing boards and your local building department.
- It does not replace the appraisal clause or a lawsuit when you and the insurer disagree on the amount of loss.
One office, two jobs
The Commissioner also serves as Georgia's Safety Fire Commissioner, so the website mixes insurance help with fire marshal programs and inspections of buildings, elevators and boilers. For a roof permit, your city or county is still the place to call.
Using it well
Write down dates, names and what was promised, then file with the facts. See filing a complaint and Georgia bad faith rules.