Public Adjusters in Georgia

Yes. Public adjusters are licensed professionals authorized under Georgia Insurance Code Title 33, Chapter 23. They must be licensed through the Office of the Commissioner of Insurance and Safety Fire (OCI) to represent policyholders in claims.

Public adjusters in Georgia generally charge a contingency fee between 5% – 20% of the final settlement amount, depending on the complexity and size of the claim. All fees must be clearly disclosed in writing before work begins, per O.C.G.A. § 33-23-43.

1. Complete a 40-hour pre-licensing course approved by the Georgia OCI.
2. Pass the state licensing exam.
3. Submit fingerprints and undergo a background check.
4. Maintain a surety bond of at least $5,000.
5. Complete continuing education every two years.

Yes — if your property damage is significant or your claim has been underpaid or denied. A licensed public adjuster works for you to document all damages, prepare claim documentation, and negotiate a fair settlement with your insurance company.

• Inspect and document property damage.
• Interpret and explain your policy coverages.
• Prepare, file, and manage the insurance claim.
• Negotiate directly with the insurer for fair compensation.

• Be in writing and signed by both parties.
• Disclose the exact percentage fee.
• Give the insured a 3-business-day right to cancel.
• Include the adjuster’s name, address, and license number.

• Review and interpret your policy.
• Identify hidden or undervalued damages.
• Manage communication with the insurer.
• Ensure deadlines are met under Georgia claim law.

• Staff (Company) Adjusters: work for the insurer.
• Independent Adjusters: contractors working for insurers.
• Public Adjusters: licensed advocates for the insured (you).
Only public adjusters legally represent homeowners and business owners directly.

Yes. A public adjuster can help you file a new claim or reopen a previously paid or denied claim if additional damage or missed items are discovered — as long as your policy still allows it.