How do I dispute an insurance claim settlement I disagree with?

Quick answer: Start by requesting a written explanation of the settlement, then escalate through your insurer's formal appeal process, invoke the appraisal clause if available, or file a complaint with the Georgia Department of Insurance.

If your insurer has offered a settlement you believe is too low or wrongly denied, the first step is to request a written explanation of how the amount was calculated. Insurers operating in Georgia are required by Ga. Comp. R. & Regs. 120-2-52-.03 to acknowledge your claim within 15 days, provide a coverage decision within 60 days, and pay an approved claim within 10 business days. Getting the reasoning in writing gives you something concrete to challenge.

Once you have the written explanation, gather evidence to support a higher value. For property claims, this means independent repair estimates from licensed contractors. For auto claims, get your own appraisal from a qualified appraiser. For medical-related claims, obtain itemized bills and a written opinion from your treating provider. Document everything with dates and names.

Submit a formal written appeal to your insurer citing the specific reasons you disagree and attaching your supporting evidence. Most insurers have an internal appeal or reconsideration process. Reference the policy language, the specific coverage section you believe applies, and any estimate that contradicts the insurer’s position. Keep a copy of everything you send.

If the internal appeal fails, check your policy for an appraisal clause. Most Georgia homeowners and commercial property policies include one, and it provides a structured way to resolve valuation disputes without going to court.

Finally, if you believe the insurer is not handling your claim fairly, you can file a complaint with the Georgia Department of Insurance Consumer Services Division at oci.georgia.gov. The DOI does not force an insurer to pay more, but complaints can trigger a review of the insurer’s conduct and whether they complied with Georgia’s claims handling regulations.

Olive Cover (operated by Olive Insurance Services, LLC) can help you document your dispute, communicate with your carrier, and connect you with a licensed public adjuster or attorney if the situation warrants it.