Insurance Commissioner in Georgia Issues Dire Warning

Hurricane season is upon us, and Georgia’s Insurance Commissioner is already warning residents to prepare for a difficult time ahead. In case you didn’t know, an insurance commissioner is a public official who is in charge of regulating the insurance industry. When someone of this authority speaks up and issues a warning to homeowners, it’s definitely a wise choice to listen to what they have to say. So what is the insurance commissioner warning Georgia residents about, exactly?

First of all, you need to understand the importance of hiring a reliable attorney as you approach your insurance claims after a storm in Georgia. The Commissioner may be in charge of regulating the insurance industry, but it’s your responsibility to hold these companies accountable if they deny your claim for no good reason. Hire an attorney who specializes in denied insurance claims, and this task becomes a lot easier. 

Important Advice from the Insurance Commissioner of Georgia

John King, the Insurance Commissioner of Georgia states that preparing for storm season is “normal” in Georgia, but he does offer a few words of advice for homeowners. In an official statement, he advised homeowners to inventory their property and review their insurance policies. Although sifting through the fine print of your insurance policy doesn’t exactly make for exciting reading, it is a necessary step that you should probably take – especially if you want to make sure that you have all your bases covered as you head into the storm season. 

John also highlighted the shortcomings of many homeowners’ insurance policies, especially when it comes to things like flood damage. King stated that a typical policy may not be enough, and that Georgia residents should probably speak with their insurance professionals about whether they need flood insurance. 

Perhaps some of the most important advice of all is simple: Act quickly. King reminds residents that most policies don’t go into effect for 30 days. This means that if you wait until the storm is already upon you, it’s far too late to cover the risk. Finally, John stressed the difference between “cash value coverage” and “replacement cost coverage,” stating that the latter is definitely the better option for replacing lost or damaged items during a storm. 

Enlist the Help of a Qualified Attorney Today

If you’re struggling with your insurance claim after your home was damaged during a storm in Georgia, there is help available. Reach out to a qualified attorney near you, and you can approach this situation with clarity, efficiency, and confidence. It doesn’t matter if your claim has already been denied, as these legal experts can help you try again with greater success. In addition, a qualified attorney can help you get a more substantial settlement, especially if the company is claiming that the damage was pre-existing. These excuses don’t hold up in the face of a skilled attorney in Georgia, so get the help you need today.