Home business insurance for Georgia sole proprietors.

Your rights as a Georgia policyholder during a claimGeorgia is governed by the Unfair Claims Settlement Practices Act (O.C.G.A. Section 33-6-30 to 37) and rules issued under Ga. Comp. R. and Regs. 120-2-52. These give you specific timelines and rights when you file a property and casualty claim.Acknowledgment. Your insurer must acknowledge receipt of your claim within 15 calendar days. They must also provide proof of loss forms within 15 days of your notification.Decision. For first-party property damage claims, the insurer must affirm or deny coverage within 15 days of receiving a completed proof of loss, or within 30 days of the claim being reported if proof of loss is not required. If they need more time, they must tell you within 5 business days and give a reason.Written denial. A denial must be in writing and must explain the specific policy provisions the carrier is relying on.Bad faith remedy. Under O.C.G.A. Section 33-4-6, if the carrier refuses to pay a covered claim, you may make a written demand for payment. If they fail to 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 plus reasonable attorney’s fees.How to escalate. If you cannot resolve a dispute with your insurer, file a complaint with the Georgia Office of the Commissioner of Insurance and Safety Fire. Filing is free. They investigate and can require corrective action against the carrier. A complaint is regulatory and does not directly compensate you, but it creates a record and applies pressure.What an independent agent adds. Olive Cover reads your policy with you, helps you document the loss, follows up on stalled timelines, and pushes back when the carrier’s position does not match the policy. We are not your lawyer or the public adjuster, and we will tell you when one of those is the right next step.