How long does my insurance carrier have to respond to my claim in Georgia?

Quick answer: Georgia regulations require your insurer to acknowledge your claim within 15 calendar days, and to approve or deny it within 60 calendar days after you submit all required documentation.

Georgia has specific rules that govern how quickly your insurance carrier must act on your claim. Under Georgia insurance department regulations (Ga. Comp. R. & Regs. 120-2-52-.03), your insurer is required to acknowledge your claim within 15 calendar days of receiving notice. That acknowledgment can come by phone, letter, email, or through an adjuster contact, but it must happen.

Once you have submitted all the documentation the insurer needs, including any repair estimates, photos, police reports, or medical records they ask for, the carrier then has 60 calendar days to either approve or deny your claim. That 60-day clock runs from the date your complete submission is received, not from the date you first reported the loss. This distinction matters: the sooner you gather and submit all requested documents, the sooner that deadline begins.

If your claim is approved and you reach a settlement agreement with the carrier, the insurer must issue payment within 10 business days of that agreement under the same regulations.

These timelines apply to most personal and commercial property and casualty policies issued or delivered in Georgia. They cover homeowners claims, auto claims, renters claims, and business property claims.

If your carrier fails to acknowledge your claim on time, misses the 60-day decision window, or drags out the process without a legitimate reason, that conduct may qualify as an unfair claims practice under O.C.G.A. Section 33-6-34. Repeated or unreasonable delays can expose the insurer to legal consequences, including bad faith penalties under O.C.G.A. Section 33-4-6.

As your independent agent, Olive Cover (operated by Olive Insurance Services, LLC) can help you track these deadlines, push back on an unresponsive carrier, and document a pattern of delay if escalation becomes necessary.