How does Georgia bad-faith law protect condo owners if a carrier will not pay?

Quick answer: Under O.C.G.A. Section 33-4-6, you can make a written demand for payment on a covered claim. If the carrier does not pay within 60 days and a court later finds the refusal was in bad faith, the carrier owes a penalty of up to 50 percent of the claim or 5,000 dollars, whichever is greater, plus reasonable attorney's fees.