GA Public Adjuster

The Office of the Commissioner of Insurance and Safety Fire (OCI) licenses and regulates insurance professionals in Georgia. OCI publishes a License Lookup tool so you can confirm whether an insurance professional, agency, or company is licensed in Georgia. Use it to check your own status and to verify anyone you work with.

OCI's Agents & Agency Licensing section includes a page titled "Licensed Adjusters, Public Adjusters, Counselors & Surplus Lines Brokers." Staff adjusters and emergency disaster adjusters are handled on a separate page. That grouping tells you public adjusters are treated as licensed insurance professionals, not as consumer advocates outside the regulatory system.

OCI states that it "licenses and regulates insurance companies, investigates reports of insurance fraud, and inspects buildings to prevent fire." The office also runs a Consumer Services Division, which it describes as its investigative arm working to ensure fair and equitable dealings between insurers, agents, and policyholders.

Yes. OCI's Consumer Services Division invites complaints about an insurance provider or agent, and specifically about how a claim is being handled. OCI directs consumers to follow the process outlined on its Report Complaints webpage, which it says facilitates timely handling. Knowing this channel exists is useful context for the claims-practice and ethics portions of your study.

Treat the four areas as equally weighted and study them in dependency order: insurance principles and policy coverage first, because claims and ethics questions assume that vocabulary; then claims handling and adjustment practice; then licensing and regulation; then ethics and Georgia insurance law, revisiting it last so the rules sit on top of the practice you already understand.

Start with coverage language - what a policy promises, what it excludes, and what duties fall on an insured after a loss. Claims adjustment questions are hard to reason through without that base. Then work through claim scenarios in writing, explaining each step and the reason for it. Use OCI's site for licensing mechanics rather than for substantive claims training.

Two patterns dominate. First, memorizing procedures without the coverage principle behind them, so scenario questions with a twist defeat the recall. Second, blurring roles - confusing what a public adjuster may do for a policyholder with what a staff adjuster does for an insurer. Ethics questions punish that blurring hardest, because the conflict-of-interest rules turn on exactly who you represent.

No. This is independent study material with no affiliation to OCI. Licensing steps, forms, fees, and renewal mechanics change, and OCI's own pages are the authority for them. Use this guide to build substantive knowledge of coverage, claims practice, and ethics, and confirm every procedural detail directly with OCI before you act on it.