Georgia Insurance Commissioner King Addresses Consumer Concerns on Claims and Fraud

The Blue-Ribbon Committee on Insurance Rates convened on August 28, 2025, to address pressing concerns regarding insurance practices in Georgia. The meeting featured discussions on consumer experiences, potential fraud in the roofing industry, and legislative measures aimed at improving accountability within insurance companies.

The session began with a representative expressing frustration over constituents' experiences with insurance claims. Many residents reported that when they contacted their insurance companies about minor incidents, such as a limb falling on their house, the companies recorded these inquiries as claims, leading to increased premiums or policy cancellations upon renewal. The representative urged constituents to report such practices to the insurance department, emphasizing the need for accountability and corrective action against companies that engage in this behavior.

The conversation then shifted to the issue of fraud, particularly in the roofing sector. The representative suggested that licensing roofers could help mitigate fraudulent activities, similar to regulations in place for plumbers and electricians. The commissioner responded positively, encouraging constituents to report any fraudulent practices they encounter.

Further discussions included inquiries about the comparative loss ratios of insurance companies operating in Georgia versus those in other states. The commissioner assured attendees that the department maintains strong relationships with other state regulators, allowing for the sharing of valuable data and insights. This collaboration aims to prevent companies from implementing unfavorable practices in Georgia based on trends observed in other states.

The meeting concluded with acknowledgments of the commissioner’s leadership and a commitment to ongoing legislative efforts to enhance regulatory frameworks. The committee plans to continue exploring solutions to the challenges faced by consumers in the insurance market, with follow-up discussions scheduled for future meetings.