What is a CLUE report and why does it matter for claims?

Insurer claim history database. Every claim filed shows up for 5-7 years and affects future rates.

Is RV insurance required in Georgia?

Yes for motorized RVs in Georgia (liability matches state auto minimums). Travel trailers borrow from the towing vehicle. Specialty RV coverage strongly recommended for physical damage and personal effects.

What is a deductible?

The amount you pay out of pocket on a covered claim before insurance pays the rest. Higher deductibles mean lower premiums.

How do I cancel my insurance policy?

Cancellation is a written request to the carrier with a specific date, usually 14 days notice. Most carriers refund unused premium pro rata. Never cancel before the new policy is in force.

What commercial coverage do Georgia businesses need beyond a business package policy and general liability?

Beyond a business package policy and general liability, the most common Georgia specialty commercial needs are commercial umbrella, inland marine, cyber, and management liability.

General FAQs

What is the insurance claims process step by step?

All FAQs

Quick answer: The claims process begins with notifying your insurer, then documenting the loss, submitting a claim form, cooperating with an adjuster's inspection, reviewing the settlement offer, and accepting payment. Each step has timing expectations, and keeping records throughout protects your interests.

What is the first step when filing an insurance claim?

The first step is notification. Contact your insurance company or agent as soon as possible after the loss. Have your policy number ready along with a clear description of what happened. For auto accidents, call from the scene if it is safe to do so. For home losses, this initial call also helps you confirm whether the cause of damage is covered and what your deductible is, so you can make an informed decision before formally opening a claim.

For example, a homeowner whose fence blows down in a windstorm can call the insurer to confirm wind damage is a covered peril before incurring the paperwork and potential impact of a formal claim. If the repair cost is close to the deductible, it may not be worth filing.

How should you document damage after a loss?

Before moving or discarding anything, photograph and video the damage from multiple angles. Make a written inventory of damaged items with as much detail as possible. If the property is exposed, take reasonable steps to prevent further loss, such as placing a tarp over a damaged roof or boarding broken windows. Keep all receipts for these temporary measures, as most policies reimburse them.

What happens during formal claim submission and the adjuster visit?

Your insurer will provide claim forms after you report the loss. Complete them accurately and return them promptly. Errors or omissions add processing time. Once submitted, the insurer will assign an adjuster to evaluate the damage.

The adjuster examines the loss, reviews your policy terms and coverage limits, and calculates a settlement figure based on your deductible. State insurance regulators recommend having your contractor present during the adjuster’s inspection when possible, so both parties can align on scope and cost in real time.

How does the settlement offer and payment work?

Once the adjuster’s assessment is complete, the insurer responds in writing with a settlement offer. If you accept, payment follows. For large property losses, payment may arrive in multiple installments tied to repair milestones. If a mortgage lender is listed on your policy, they will typically appear on the check and must also endorse it before funds can be applied to repairs.

For example, a homeowner with a $180,000 roof and structure loss may receive an initial payment for the actual cash value of the damage, with a second check released once repairs are completed and verified, the difference representing the depreciation holdback.

What can you do if you disagree with the settlement offer?

If you disagree with the offer, several options are available. You can provide additional documentation, request a written itemized explanation of how the number was calculated, or invoke the appraisal process described in your policy. The appraisal process uses independent appraisers chosen by each party and a neutral umpire to reach a binding resolution when direct negotiation fails.

A licensed advisor can help you understand your policy terms and what documentation supports your position. Request a free coverage review to talk through your options before or after a loss.