In the wake of Hurricane Idalia owners who’ve by no means filed a declare with their insurance coverage carriers might be treading new floor. We have expertise working with insurance coverage carriers, and sadly, the carriers generally don’t carry out as they’re required by the corporate’s personal contract and Georgia Law. We are specialists on this space of regulation and have attorneys prepared that can assist you with any questions, issues, and steering by way of the method.
One option to contain the State is to file a Complaint with the Georgia Office of Insurance and Fire Safety Commission. The Georgia Office of Insurance and Fire Safety Commissioner has a easy on-line course of for submitting your grievance. How the workplace responds to this Complaint will not be satisfying, however it will be important the insured makes a document of the insurance coverage claims that aren’t correctly dealt with.
If you’re sure of your rights, observe the net grievance directions under if you’re upset along with your insurance coverage firm’s remedy of your declare and have first given your insurer a good probability to right its earlier misdeeds. As Chip Merlin has defined:
I normally name for giving the insurance coverage firm and its claims personnel a good and fast probability to make things better as a result of anyone could make a mistake. We ought to first take into consideration Golden Rule earlier than calling the authorities. Sometimes, these unhealthy insurance coverage firm adjusters merely have it to coming to them, and people adjusters have to have the regulators trying extra intently at them to forestall the unhealthy apple adjusters from ruining the popularity of excellent and trustworthy insurance coverage adjusters.
Below is the method and sources to file a Georgia Insurance Department Complaint:
Click right here to create a Login and set your Password.
You can add content material (that is very useful) concerning the declare, and you can be given a grievance ID quantity. Be able to type-in/add the next for a property harm declare:
- Your identify, handle, daytime phone quantity, and electronic mail handle
- The actual identify of the insurance coverage firm
- The full identify of any agent or adjuster who could also be concerned
- Your coverage quantity
- Your declare quantity
- Date of your loss
- A concise description of your issues
- Copies of all supporting documentation, together with invoices, canceled checks, promoting supplies, and any letters between you and the corporate or agent
- Emails concerning the declare
- Copies (not the originals) of all supporting documentation, together with invoices, canceled checks, promoting supplies, and any letters between you and the corporate or agent, and many others.
Keep a replica of the grievance you file and your grievance quantity.
More common questions on insurance coverage may also be despatched utilizing this kind.
Georgia nonetheless accepts the types despatched in by way of mail. Submit your accomplished type by mail at: Georgia Department of Insurance, 2 Martin Luther King Jr. Drive, Suite 716 West Tower, Atlanta, Georgia 30334, or by fax to: (404)-657-8542.
The Department advises that after the grievance is acquired, it’s going to do the next:
- You will obtain an acknowledgment letter, advising who the investigator is and their contact data. Your Case Number proven on the letter is for the problem submitted to the Department. The case quantity must be used to ship extra data to the Department in your case.
- If you will have future complaints, you’ll get a brand new case quantity, acknowledgment letter, and the brand new investigator’s identify and make contact with data.
- We will notify the corporate of your grievance and ask for an in depth response. We will ship you a replica of the corporate’s response, with our formal letter relating to the completion of our investigation. Our overview will end in one of many following actions:
- If the grievance has been resolved, we’ll ship you a letter explaining the decision.
- If an insurance coverage regulation has been violated, we’ll request corrective motion by the corporate.
- If the corporate is just not abiding by the coverage, we’ll request corrective motion.
- If the insurer or producer has not responded to all questions or has not investigated the grievance completely, we would require them to take action.
In observe, up to now, our shoppers have reported that the insurance coverage division does contact the insurance coverage service concerning the points, however progress, outcomes, and/or declare satisfaction appear to fall brief.
If you aren’t sure of your insurance coverage declare rights or have questions on your coverage advantages, please don’t hesitate to name Merlin Law Group attorneys. We have attorneys licensed in and training in Georgia who will overview your case and coverage to make sure you are being handled pretty.
Insurance Policy provisions spell out post-loss obligations that should be happy to have a profitable declare. Insurance contracts sometimes have “post-loss” obligations that, if not adopted, could trigger lack of protection and advantages. Here at Merlin, we overview the coverage to verify your declare is just not sidelined by a technical error or violation of those obligations.