How do you file a complaint about a homeowner insurance adjuster?
Short answer. Start inside the insurance company: put the problem in writing to the adjuster's supervisor or the claims manager and ask for a written response. If that fails, file a consumer complaint with the Georgia Office of Insurance and Safety Fire Commissioner, which forwards it to the insurer and requires an answer. Keep the complaint factual, dated and backed by documents.
Complaints that get traction
Claims managers and regulators act on specifics, not frustration. The strongest complaints describe something concrete:
- No response to calls or emails for weeks, with your log of dates and times.
- An inspection that skipped slopes, the attic, or interior damage you pointed out.
- A denial or estimate with no written explanation of the policy language relied on.
- Payment delayed after the insurer agreed on the amount.
- Rude, misleading or pressuring conduct, with names and dates.
Step by step
- Ask for a supervisor review or a new adjuster. Many carriers will reassign a file or send a second adjuster on request, and a written reinspection request is often the fastest fix.
- Send a written summary to the claims manager with your claim number, a timeline, photos, and what you want: a reinspection, an explanation, or payment.
- File with the state. The Georgia Office of Insurance and Safety Fire Commissioner accepts consumer complaints online. Staff send the complaint to the insurer, which must respond. The office usually cannot order a specific payout, but a complaint often restarts a stalled file. Our guide on filing with the Commissioner walks through it.
- Escalate further if needed. Disputes about the dollar amount may go to appraisal. An outright refusal to pay a covered loss can raise bad faith questions worth taking to a lawyer.
Independent and public adjusters working in Georgia must be licensed by the Commissioner's office, so serious misconduct by an individual adjuster can also be reported against that license.