GA Public Adjuster case studies
GA Public Adjuster · Put your knowledge to work in context.
The Georgia Public Adjuster License is a state credential issued through the Office of the Commissioner of Insurance and Safety Fire (OCI). OCI describes its role plainly: it "licenses and regulates insurance companies, investigates reports of insurance fraud, and inspects buildings to prevent fire." Public adjusters fall under the OCI's Agents & Agency Licensing structure, which lists a dedicated page for "Licensed Adjusters, Public Adjusters, Counselors & Surplus Lines Brokers" alongside separate tracks for staff adjusters and emergency disaster adjusters. The GA Public Adjuster case studies are 5 cases and about 3,231 words.
1Contractor's 'Claim Management' Offer After Hailstorm
Following an April hailstorm in Gwinnett County, a roofing contractor knocks on Dana's door and offers to "handle the whole insurance claim" for 15% of whatever the insurer pays. The contractor gives a repair estimate, asks Dana to sign a one-page "Authorization to Negotiate and Settle" and a contingency agreement assigning insurance proceeds to the contractor, and says its estimator "used to be an adjuster." Dana signs.
677 words, about 3 min2Toilet Supply Line, Mold, and the $5,000 Sub-Limit
Priya's Georgia homeowner policy has Dwelling 300,000, Personal Property 150,000, a 5,000 mold sub-limit, and a 2,500 all-peril deductible. While Priya is away for 45 days, the upstairs toilet supply line fails suddenly.
613 words, about 3 min3Fire Loss, Sworn Proof, and a Reservation of Rights
After a kitchen fire, Marcus files a claim on his restaurant policy: building 500,000, business personal property 150,000, business income 100,000, extra expense 5,000, deductible 5,000. The insurer sends a reservation of rights letter citing possible arson and "failure to maintain the suppression system." It demands a sworn proof of loss within 60 days and schedules examinations under oath for Marcus and his bookkeeper.
643 words, about 3 min4Tornado Solicitation and a 20% Fee Contract
Two days after an EF-3 tornado, public adjuster Reed visits 78-year-old widow Elena. He presents a one-page contract charging 20% of "all insurance proceeds, including emergency repairs and contents." The contract has no cancellation or rescission notice.
655 words, about 3 min5Expired License, Unlicensed Technician, and a Mortgage Check
On January 3, public adjuster Owen's Georgia license shows "expired" because his continuing-education credits were not posted before the December 31 renewal deadline. He continues to negotiate two water-damage claims worth 40,000 and 75,000.
643 words, about 3 min