Office of Insurance and Safety Fire CommissionerRalph T. Hudgens
Commissioner
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Consumer Services Division
2 Martin Luther King, Jr. Drive
West Tower, Suite 716
Atlanta, Georgia 30334

Telephone: 404-656-2070
Toll Free: 800-656-2298
Between 8:00 AM and 7:00 PM

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Homeowners Insurance

Homeowners insurance provides the policyholder protection for damage or loss to his or her dwelling, its contents and additional living expense. Further, it protects that policyholder from claims of others generated by his or her alleged negligent acts of commission or omission or those of relatives residing in that household.

The Consumer Services Division is the investigative arm of the Department of Insurance and attempts to ensure fair and equitable dealings between insurers, agents, and policyholders regarding all insurance transactions. This division receives all complaints against agents or insurers. Action by this division can be instigated by a written complaint, a personal visit to the Atlanta office, or a meeting with one of the division’s field insurance investigators who travel throughout the state. Any inquiry that requires additional information or that appears to be a valid complaint is made into an investigation file. The file is then assigned to an insurance investigator qualified to conduct the particular type of investigation involved. The investigator gathers all available data necessary to properly analyze and evaluate the problem or claim. The division frequently holds an informal conference between complainants and company adjusters, agents, or underwriters regarding the problem in question. These conferences often bring about an amiable settlement. The division takes calls Monday through Friday from 8 a.m. to 7 p.m.

Does your homeowners insurance policy protect your home against flood? How do you file a homeowners insurance claim? What disasters are covered in your policy? These questions and more are answered in a new guide co-published by the Federal Alliance for Safe Homes, Inc. (FLASH®) and The Actuarial Foundation. The eleven section guide addresses: earthquake, flood, hail, hurricane, lighting, power outage, tornado, wildfire, and winter freeze. An entire chapter provides mitigation tips for reducing potential damages due to several disasters, while a special section explains how to file an insurance claim and keep proper records. Click on the button on the left for your guide to homeowners insurance.

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