Georgia Resource Links

Built for TrueHaven Adjusters in Georgia

Stay compliant. Stay prepared. This page keeps your resources one click away.

Everything You Need to Stay Informed and In Compliance

As a licensed Public Adjuster working in Georgia, it's critical to know the laws, timelines, and expectations that govern how we operate. This resource page brings together everything you need — from licensing renewal links to building code references — so you can focus on serving clients confidently and ethically.

Use the sections below to explore official state sites, required legal reading, professional associations, and links that support day-to-day claim handling.

🟥 Georgia – Claim Communication Timeline

Ga. Comp. R. & Regs. r. 120-2-52-.03(1)(b)

15 business days: Carrier must acknowledge receipt of a claim or any written communication.
→ TrueHaven follows up every 2 business days until response is confirmed.

Ga. Comp. R. & Regs. r. 120-2-52-.03(1)(c)

15 business days: Carrier must provide necessary forms and instructions for Proof of Loss upon request.
→ TrueHaven uses its own internal POL forms (unless insurance carrier requires their form) and submits them within 7 days of inspection.

Ga. Comp. R. & Regs. r. 120-2-52-.03(1)(d)

30 days: Carrier must affirm or deny coverage after receiving completed documentation.
→ TrueHaven submits the full estimate and documentation promptly and logs all submission dates.

GA Code §33-6-34

Prohibits unfair claim delays or misrepresentation of policy terms.
→ TrueHaven includes statutory citations in all formal submissions to promote compliance.

⚖️ Georgia Legal Primer

Primer on Georgia Law

1. No entity license needed.

2. Need license to solicit.

3. Ban on solicitation rules:

• During loss producing event.

• Any time at all in person, by telephone, or in any other manner at any time except between the hours of 8AM and 10PM on a weekday or a Saturday and between noon and 10PM on a Sunday.

4. Cannot participate in repair or on same claim and cannot have a financial interest or benefit from repair or restoration work on the same claim.

5. Cannot directly or indirectly solicit employment for an attorney or enter into a contract with an insured for the primary purpose of referring an insured to an attorney without the intent to actually perform the services customarily provided by a licensed public adjuster.

6. Cannot act on behalf of an attorney during the course of a claim adjustment, through an insured signed attorney representation agreement or other means.

7. Cannot share fees in any way with a person who is not a licensed public adjuster, or even give a referral fee for the referral of an insured.

8. Cannot receive a referral fee from any third-party individual or firm, including an attorney, appraiser, umpire, construction company, contractor, or salvage company.

9. Fees: 33% fee cap.

10. Must hold funds in an escrow account.

11. All advertisements must be approved by the commissioner, and there are specific rules to follow for “written advertisements”, which are only bulk mailers, newspapers and flyers.

12. Contract must be approved by the commissioner.

13. New disclosure required as of July 1, 2023.

Georgia Advertising Rules for Public Adjusters

1. Every advertisement must display the adjuster’s name and license number

2. Every advertisement soliciting or advertising business must be approved by the Commissioner (most public adjusters do not do this, but it is the law)

3. The following statements, made in any public adjuster’s advertisement or solicitation, are considered deceptive or misleading:

a) A statement or representation that invites an insured to submit a claim when such insured does not have covered damage to such insured’s property;

b) A statement or representation that invites an insured to submit a claim by offering monetary or other valuable inducement;

c) A statement or representation that invites an insured to submit a claim by stating that there is “no risk” to the insured by submitting such claim; and

4. A statement or representation, or use of a logo or shield, that implies or could mistakenly be construed to imply that the solicitation was issued or distributed by a governmental agency or is sanctioned or endorsed by a governmental agency.

5. Written Advertisements: “Written advertisements” includes only newspapers, magazines, flyers, and bulk mailers.

The following disclaimer, which is not required to be printed on standard size business cards, shall be added in BOLD PRINT AND CAPITAL LETTERS to all written advertisements in a font that is at least the same size as the rest of the ad: “THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT”.

*There have been questions as to whether a social media ad is an unprinted “flyer” and I would err on the side of caution by including the disclaimer.

⚖️ Georgia Statutes Relevant to Public Adjusters

Key statutes governing Public Adjusters in Georgia include:

• s. 33-23-43 (2024) - Authority of adjusters; penalty for violation

• s. 33-23-43.2 (2024) - Requirements for public adjuster contracts

⏳ Proof of Loss (POL) Timelines in Georgia

In Georgia, the requirement to submit a Proof of Loss (POL) is typically outlined in the insurance policy. Many policies mandate submission within 60 days of the loss or upon the insurer’s request. It’s crucial to review the specific policy terms to determine the exact timeline.

https://claimspot.com/insurance-claims/georgia-guide-insurance-claim-deadlines-faqs/

🏛️ Georgia Department of Financial Services – Public Adjuster Information

The Office of the Commissioner of Insurance and Safety Fire provides comprehensive information for Public Adjusters, including licensing requirements, regulations, and consumer resources.

• Oci.Georgia.gov