Nonrenewal Notices and How They Work in Georgia

Receiving a nonrenewal notice from your insurance carrier can be a stressful experience, leaving you uncertain about your next steps. For Georgia residents, it’s essential to understand your rights and the options available to you in this situation. You can navigate this challenge by taking proactive steps and securing the insurance protection you need.

What to Do When You Get a Nonrenewal Notice From Your Insurer

Here are some steps Georgia residents can take when faced with a nonrenewal notice:

• Understand the notice. Insurance companies in Georgia are required to provide a clear reason for nonrenewal. The notice should include information on why your policy is not being renewed and your right to request a review by the Georgia Insurance Commissioner if you believe the nonrenewal is unjust.
• Request a review. If you believe the nonrenewal is unlawful, you can file a written notice with your insurer before the nonrenewal becomes effective. This notice must specify why you believe the nonrenewal is unlawful. Additionally, within 15 days of receiving the nonrenewal notice, you can request a review by the Georgia Insurance Commissioner.
• Explore other insurance options. Start shopping for a new insurance policy as soon as you receive the nonrenewal notice. Get quotes from various insurers to find a policy that suits your requirements. Collaborating with an insurance provider who can guide you through the available choices might be helpful.
• Maintain continuous coverage. Ensure there is no gap in your insurance coverage. If you are unable to secure a new policy before your current one expires, you may be eligible for a temporary extension under certain conditions.
• Improve your risk profile. If the nonrenewal is due to factors such as claims history or property conditions, take steps to address these issues. Improving your risk profile can make you more attractive to other insurers.

Learn More

Contact Kris D Rogers & Associates to learn more about effectively managing nonrenewal notices and securing the financial protection you need.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.