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Homeowners and public adjusters tell committee delays, rotating adjusters and denied appraisals push families to litigation
Summary
Multiple homeowners and public adjusters described long claim timelines, rotating adjusters and denied appraisals; they urged reforms including 90‑day resolution targets, appraisal rights covering scope and value, stronger DOI enforcement and a state claims‑tracking portal.
Gwinnett County — Homeowners and public adjusters told the House Insurance Rate Study Committee that delays, repeated adjuster reassignments and narrow interpretations of policy language are driving legitimate claims toward litigation and financial hardship.
Homeowner Ellie Nelson described a February loss in which a fallen tree nearly struck her child and thenable disagreements over scope, multiple rotating adjusters, and repeated estimate revisions. Nelson said her family paid more than $100,000 out of pocket to protect the home while the insurer delayed, and she has…
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