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Georgia Public Adjusters That Work For You!
100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!*
*Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Don’t Settle For Less!
Get The HIGHEST & Most FAIR Settlement Amount ... That You Are Legally Entitled To ... From Your Insurance Claim!
Get a free on-site inspection & insurance policy evaluation from one of our expert public claims adjusters!
Work with highly trained & vetted Georgia public adjusters who are state-licensed, bonded, and trained to handle all residential or commercial insurance claims, big or small!
Public Claims Adjusters Network (PCAN) member public insurance claims adjusters in Georgia offer technical and detailed expertise that has satisfied countless homeowners, business owners, condominium associations, property management companies, and HOAs.
Our network members have years of experience dealing with insurance companies. Many of our network’s public adjusters also have previous backgrounds in construction and/or insurance, giving them a significant advantage in quickly securing the highest claim settlement compensation for their clients.
They know what to look for, what repairs actually cost, and what the insurance company’s adjusters tend to ignore (and hope you don’t know about!).
Consultations are always:
- Friendly
- Free
- No-Obligation
- 100% contingency-based In Nearly Every State
… meaning your public adjuster doesn’t get paid, unless you get paid!*
PCAN public adjusters take pride in providing superior customer service, and clear & friendly communication. Please fill out our contact form to schedule a no-obligation consultation with one of our network’s licensed & verified Georgia public insurance adjusters today!
*Some Services Not Available In All Areas. Contingency Fee Not Permitted By Law In Lousianna. By law, services in Kansas are only available for commercial claims.
Request A Free Consultation!
- Required Fields
*Some Services May Not Be Available In All Areas. Contingency fees are not permitted by law in Louisiana. Public Claims Adjusters Network (PCAN) is not a Public Adjusting Agency. PCAN is a private network of stringently vetted, state-licensed, bonded, and PCAN Verified public adjusters with members Nationwide. Your contact request will be matched to one of our verified member public adjusters serving the Georgia community, to ensure the highest quality of service & care.
Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!
Contingency Based. We don’t get paid, unless you get paid!
*Contingency fees not permitted by law in Louisiana.
Why Hire A Public Insurance Claims Adjuster In Georgia?
Georgia Public Adjusters Help Get You The HIGHEST & Most Fair Settlement Amount (That You Are Legally Entitled To) From Your Homeowners, Roofing, Condo & HOA, & Business Insurance Claims!
Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert Georgia Public Claims Adjuster Members Today!
- Save You Time & Help Speed Up The Claim Process
- Help Alleviate Stress & Walk You Through The Whole Process
- Negotiate With The Insurance Company & Make Sure You Get The Highest Settlement Possible*
- Prepare & File All The Necessary Documents, And Handle All The Necessary Follow-up's
*Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
What Our Network Of Licensed Georgia Public Insurance Adjusters Bring To The Table
Georgia Insurance Policy Claims Specialists
PCAN member public insurance claims adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements you may experience when dealing with your claim in Georgia. Their expertise allows them to find & utalize the various coverages your policy may have, and in many cases, inform you of coverage & clauses you may not even know about.
Advocates For Georgia Homeonwers Insurance Policy Holders
PCAN member public insurance adjusters advocate for your rights as the policy holder. They ensure that the clients’ rights are being protected throughout the claims process, and make sure you get all the benefits you are entitled to based on your policy. Public adjusters are there with you every step of the way!
Experts In Seen & Unseen Damages
PCAN member public insurance claims adjusters in Georgia have years of experience identifying damage, and in most cases, come from professional construction, roofing, and insurance backgrounds. As such, they are able to find & isolate damages that you may not even know to look for, or know would/should be covered by your policy! They also incorporate the latest assessment techniques & technology when conducting their property inspections.
Expert Claims Negotiators
Settlement negotiation is critically important when it comes to the claims process. Public adjusters in Georgia know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public insurance claims adjusters have the expertise and experience in claims negotiations to ensure that you get what you are actually entitled to under your policy ... not what the insurance company tells you that you are, based on their own interests. When the insurance company plays hardball or puts up a fight, your public adjuster won't be afraid to get in that ring and fight them for what's rightfully yours!
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
The Homeowners Insurance Claims Recovery Process In Georgia
Georgia state-licensed public insurance adjusters are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while they fight to make sure you get the highest & most fair compensation possible for your claim!
View 7-Step Claims Recovery Process Map
(Click To Expand Infographic)
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Frequently Asked Questions (FAQ) About Georgia Public Adjusting
What Are Georgia Public Adjusters, & What Do They Do?
Georgia Public adjusters are licensed insurance professionals who work independently to defend policy holders throughout the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA) they are professionals act as advocates for property owners to ensure that their interests are protected in working with insurance companies..
The role of public adjusters has become increasingly important in recent times, specifically because insurance claims are becoming more complex. A landmark study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA) found that policyholders who used public adjusters received settlements that were up to 800% more than those who handled claims on their own.
Public adjusters provide comprehensive services throughout the claims process. They conduct detailed damage assessments, and prepare and file all necessary documentation, and manage all communications with insurance companies. This kind of professional assistance significantly cuts down the stress and time that comes with filing claims, allowing policyholders owners to focus on recovery.
Operating mostly on a basis of contingency fees that typically range from 10% to 20 percent of the settlement, public adjusters are rewarded for securing the most settlement for their clients. The fee structure is according to the complexity of the claim state regulations, as well as the amount of resources needed.
These professionals possess vast expertise of insurance policies, building codes, and costs for construction. They use this knowledge to:
- Speed up the claims process
- Document and assess the damages thoroughly
- Navigate complex policies
- Directly negotiate with insurance companies
- Be sure to comply with filing deadlines and other policy requirements
Research has clearly shown that professional representation during the claims process often leads to more comprehensive settlements and quicker resolution of claims. Public adjusters’ understanding of insurance regulations and industry practices can help avoid common mistakes that could delay or diminish claim settlements.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
Will My Settlement Be Larger If I Hire A Georgia Public Adjusting Company?
Industry research and industry analysis have shown that employing a public insurance adjuster can substantially increase policyholder claim settlements. According to a landmark research study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who used public adjusters received settlements as high as 800% more that those who managed claims independently.
Public adjusters in Albany, Georgia serve as licensed professionals who represent only policyholders throughout the claim process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals provide detailed claim management services, including precise property damage documentation, policy interpretation, and settlement negotiations with insurance companies.
The value of professional representation is particularly evident in final settlement figures, as professionally managed claims generally produce more detailed damage estimates, and more accurate estimates of losses.
Public adjusters streamline the claims process by:
- Managing all documentation and correspondence with insurance companies
- Conducting detailed property damage assessments
- Preparing comprehensive claim submissions
- Negotiating directly with insurance carriers
- Expediting the settlement timeline
- Ensuring compliance with policy specifications and deadlines
Most public adjusters operate on the contingency fee basis, that typically range between 10% and 20% of the final settlement amount. This fee structure aligns the interests of the adjuster with the policyholder’s, as their compensation is contingent on securing a favorable settlement outcome.
The expertise of a Public Adjuster often proves valuable in difficult claims scenarios, where technical knowledge of building codes, construction costs, and insurance policy provisions can have a major impact on settlement outcomes.
Their expert oversight ensure that no insured damages are overlooked and that claims are properly valued according to the current market conditions.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
How Much Do Georgia Public Adjusters Charge?
Public adjusters typically operate on a contingency fee basis, charging between 10% to 20% of the final insurance claim settlement. According to the National Association of Public Insurance Adjusters (NAPIA), these fees vary based on claim complexity, state regulations, and required resources. The contingency fee structure ensures that public adjusters’ interests align directly with those of their clients, as their compensation depends on securing favorable settlements.
Before engagement, policyholders should carefully review fee arrangements and contract terms, ensuring clear understanding of the service agreement. According to the Insurance Information Institute (III), public adjusters must maintain state licenses and adhere to strict professional standards, providing an additional layer of consumer protection. Their role becomes particularly valuable in complex claims where specialized knowledge can significantly impact settlement outcomes.
A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) demonstrated that policyholders who engaged public adjusters received settlements up to 800% higher than those who handled claims independently. This significant difference underscores the value these professionals bring to the claims process.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Is It Too Late To Hire A Georgia Public Adjuster?
Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a Georgia public adjuster can significantly impact claim outcomes and settlement amounts. According to the National Association of Public Insurance Adjusters (NAPIA), policyholders can benefit from hiring a public adjuster at any point during an active claim, though earlier engagement typically yields better results.
Key timing considerations include:
Statute of Limitations:
- Each state maintains different deadlines for filing insurance claims
- Claims must be initiated within these legal timeframes
- Public adjusters can assist with existing claims, even if initially filed independently
Documentation Requirements:
- Public adjusters help organize and prepare comprehensive claim documentation
- They can recover or reconstruct missing documentation
- Professional documentation improves claim validity and settlement potential
Claim Status:
- Active claims benefit from professional representation
- Denied claims may be reopened with proper documentation
- Disputed settlements can be renegotiated
Public adjusters provide valuable services throughout the claims process Including:
- Expedited claim processing through professional management
- Expert negotiation with insurance carriers
- Complete documentation preparation and submission
- Regular communication with insurance companies
- Stress reduction through professional claim handling
- Maximum settlement potential through experienced representation
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Should You Hire A Public Claims Adjuster In Georgia?
Complex insurance claims usually require experienced professionals to navigate effectively. Public insurance adjusters, state-licensed professionals who work exclusively for policyholders, can have a significant impact on claim outcomes as well as settlement outcomes.
Several scenarios need a public adjuster:
- Extensive property damage
- Claims involving multiple types of coverage
- Disputed claims or partial claim denials
- Complex requirements for documentation
- Time-sensitive situations requiring immediate attention
Public adjusters streamline the claims process by:
- Conducting comprehensive damage assessments
- The preparation and filing of required documentation
- Communication with insurance companies
- Negotiating settlements on behalf of policyholders
- Ensuring compliance with the policy terms and deadlines
Public adjusters particularly benefit policyholders because of:
- Stress reduction by utilizing expert claim management
- Speeding up the settlement process
- Providing independent damage assessment
- Ensuring comprehensive documentation
- Utilizing industry-specific expertise to ensure fair settlements
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Can I File My Insurance Claim Myself In Georgia?
While policyholders have the right to file insurance claims on their own, research from industry experts suggests this strategy may not provide the best results.
The most significant challenges of self-filing include:
- Complex documentation requirements and policy interpretation
- Time-intensive communication with insurance representatives
- Risk of overlooking covered damages or benefits
- Potential undervaluation of claims by insurance companies
- Limited-to-zero negotiation experience with insurers
Licensed public adjusters provide substantial advantages during the process of settling claims:
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- Professional Documentation and Assessment – Public adjusters thoroughly document damages, and create comprehensive claim files, and manage all paperwork required, making sure that nothing is missed.
- Time and Stress Management – These professionals manage all communications with insurance companies so that homeowners can focus on recovering while speeding up the process of filing claims.
- Expert Negotiation – With a vast understanding of regulations and rules governing insurance policies, public adjusters engage directly with insurance companies to secure fair settlements.
- Cost-Effective Service – Public adjusters typically work on a contingency fee basis, typically ranging from 10-20 percent of the final settlement amount, ensuring that the interests of the policyholder are protected.
The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent the interests of policyholders during the process of settling claims. Their expertise can be particularly valuable in complicated claims or when significant damages are involved.
Statistics from the industry show that professional expert representation by state-licensed public adjusters leads to more favorable results for the policyholders, with quicker processing, and more complete settlement packages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
In Georgia, Can My Contractor Represent Me Against My Insurance Company?
While many contractors offer to negotiate with insurers, this approach can present serious risks and restrictions. According to the National Association of Insurance Commissioners (NAIC), contractors are not legally authorized and lack expertise to serve as representative for insurers in claims negotiations.
This limitation could dramatically affect the outcome of a case and could limit the rights of the policyholder.
The state insurance departments regulate licensed public adjusters, who go through highly specialized training, undergo Federal background checks, & require specialized licenses from the state before they can operate. They also have the legal authority to act on behalf of the policyholder to safeguard and protect their right … legal authority that contractors don’t possess … thus they are the legal and comprehensive alternative to representation by contractors.
Public Adjusters are experts in interpreting insurance policies, documenting damages, and working with insurance companies to guarantee fair claim compensation.
Public adjusters provide several distinct advantages, such as:
- Professional claim documents and filing
- Professional negotiation with insurance companies
- Comprehensive damage assessment
- Expedited claim processing
- Reduce stress through total claim management
The National Association of Public Insurance Adjusters (NAPIA) emphasizes the fact that public insurance claims adjusters must maintain professional licenses and follow strict ethical standards, providing the additional level of consumer protection not available with contractors.
For claims that are complex, for complex claims, adjusters have a wealth of knowledge in the interpretation of policies, documentation demands, and negotiation strategies often is invaluable, and can help avoid costly mistakes and claims denials which could result from negotiation led by contractors.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
I Already Settled My Claim, But It Wasn’t Enough Money To Cover The Damages. Is It Too Late To Get More?
When insurance settlements prove insufficient to cover property damages, policyholders have a range of legal options to seek further compensation following the initial settlement of their claim.
According to the National Association of Insurance Commissioners (NAIC), NAIC recommends that policyholders be sure to carefully review their settlement terms and related documentation before accepting the final settlement payment.
The timing and circumstances for the pursuit of additional compensation are important factors, as most insurance policies contain specific timeframes for claim disputes or appeals, generally between one and two years after settlement date.
Licensed public insurance adjusters are vital in re-assessing settled claims and finding previously missed damages. Public adjusters carry out thorough assessments of property damages, as well as document any additional damages, and negotiate with insurance carriers on behalf of policyholders.
Important steps to pursue additional compensation include:
- Document newly discovered damages
- Review of policy terms and settlement agreements
- Gather supporting evidence and estimates
- Request professional representation from a state-licensed public adjusters
The National Association of Public Insurance Adjusters (NAPIA) emphasizes that public adjusters are often able to spot overlooked damages and policy provisions that support the need for additional compensation. Their experience in policy interpretation and the valuation of claims proves particularly valuable when defending settled claims.
Policyholders should take action immediately upon discovering insufficient settlement amounts, since delay may hinder their ability to obtain additional compensation. When utilizing a public adjuster’s services, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts.
Disclaimer: *Some Services Not Available In All Areas. The use of contingency fees is not permitted in Louisiana.
Why hire a Public Insurance Claims Adjuster In Georgia if the insurance company already sent an adjuster?
The decision to employ a state-licensed public adjuster, even if an insurance company has assigned its own adjuster greatly affect the outcome of an insurance claim.
While insurance company adjusters work for the insurance company’s interests … public insurance claims adjusters serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) highlights that these state-licensed & regulated professionals operate independently to ensure fair settlements of claims and complete policies are interpreted.
Public adjusters streamline the claims process by managing documentation as well as performing complete assessment of the damage and handling all communication with insurance companies. This professional intervention typically speeds up claim resolution and decreases homeowners administrative burdens.
The value of public adjusters isn’t only limited to monetary benefits. These professionals offer expert advice through the entire claims process, explaining complex policy terms and ensuring every damage is properly documented and assessed.
They prepare detailed damage estimates, gather the necessary evidence, and engage directly with insurance carriers to maximize settlement outcomes.
Insurance claims can be complicated and time-consuming and require a professional’s assistance, which makes their representation crucial during large losses. Public adjusters’ expertise in negotiation and policy interpretation often results in more comprehensive settlements that cover evident and concealed damages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
Can My Insurance Company Cancel My Contract If I Use a Public Adjuster In Georgia?
No. Insurance companies cannot legally cancel policies solely because policyholders hire public adjusters to represent their interests during the claims process, according to the National Association of Insurance Commissioners (NAIC). Policy cancellations are strictly governed by contractual terms and state regulations, typically limited to specific circumstances such as non-payment of premiums or material misrepresentation.
The National Association of Public Insurance Adjusters (NAPIA) emphasizes that hiring a licensed public insurance claims adjusters is a protected right of policyholders. These professionals serve as advocates during insurance claims, handling documentation, negotiations, and communications with insurance carriers to expedite settlements.
The Insurance Information Institute (III) confirms that policyholders maintain the right to professional representation during claims processes, and insurers must honor this right while adhering to fair claims handling practices.
Disclaimer: Some Services Not Available In All Areas.
A homeowners insurance terms glossary provides insight to policyholders of critical terms and definitions commonly used to clarify various aspects of coverage and claims.
Key concepts include such terms as Actual Cash Value (ACV) Vs. Replacement Value, a method for determining compensation based on replacement costs minus depreciation, and Additional Living Expenses (ALE) Coverage, which cover necessary living costs when a home is uninhabitable.
For example, understanding your home insurance declaration page, common homeowners insurance claim deductibles for various types of home & property damage, the general policy exclusions standard in many home insurance policies, can bring much-needed awareness & clarity to policyholders of potential basic insurance terms that may affect their claim outcomes. For example, knowing which key documents (such as photographs and receipts) are essential for substantiating claims.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Discover How Georgia Public Claims Adjusters Can Get You More From These Types Of Property Damage Insurance Claims
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Find A PCAN Public Adjuster In Georgia Near You In One Of These Cities:
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
More About Georgia
Georgia | |
|---|---|
| Nickname(s): Peach State; Empire State of the South | |
| Motto(s): “Wisdom, Justice & Moderation” | |
| Anthem: “Georgia on My Mind“ | |
 Location of Georgia within the United States | |
| Country | United States |
| Before statehood | Province of Georgia |
| Admitted to the Union | January 2, 1788 (4th) |
| Capital (and largest city) | Atlanta |
| Largest county or equivalent | Fulton |
| Largest metro and urban areas | Atlanta |
| Government | |
| • Governor | Brian Kemp (R) |
| • Lieutenant Governor | Burt Jones (R) |
| Legislature | Georgia General Assembly |
| • Upper house | Senate |
| • Lower house | House of Representatives |
| Judiciary | Supreme Court of Georgia |
| U.S. senators |
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| U.S. House delegation | 9 Republicans 5 Democrats (list) |
| Area | |
• Total | 59,424.64 sq mi (153,909.120 km) |
| • Land | 57,906 sq mi (149,976 km) |
| • Water | 1,519 sq mi (3,933 km) 2.6% |
| • Rank | 24th |
| Dimensions | |
| • Length | 298 mi (480 km) |
| • Width | 230 mi (370 km) |
| Elevation | 600 ft (180 m) |
| Highest elevation | 4,784 ft (1,458 m) |
| Lowest elevation (Atlantic Ocean) | 0 ft (0 m) |
| Population (2024) | |
• Total |  11,180,878 |
| • Rank | 8th |
| • Density | 185.2/sq mi (71.5/km) |
| • Rank | 16th |
| • Median household income | $74,600 (2023) |
| • Income rank | 29th |
| Demonym | Georgian |
| Language | |
| • Official language | English |
| Time zone | UTC−05:00 (Eastern) |
| • Summer (DST) | UTC−04:00 (EDT) |
| USPS abbreviation | GA |
| ISO 3166 code | US-GA |
| Traditional abbreviation | Ga. |
| Latitude | 30.356–34.985° N |
| Longitude | 80.840–85.605° W |
| Website | georgia |
| Symbols of Georgia | |
| Song | “Georgia on My Mind“ by Ray Charles |
| Amphibian |
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| Butterfly |
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| Fish |
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| Flower |
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| Fruit |
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Georgia, officially the State of Georgia, is a state in the Southeastern region of the United States. It borders Tennessee and North Carolina to the north, South Carolina and the Atlantic Ocean to the east, Florida to the south, and Alabama to the west. Of the 50 United States, Georgia is the 24th-largest by area and eighth most populous. According to the U.S. Census Bureau, its 2024 estimated population was 11,180,878. Atlanta, a global city, is both the state’s capital and its largest city. The Atlanta metropolitan area, with a population greater than 6.3 million people in 2023, is the sixth most populous metropolitan area in the United States and contains about 57% of Georgia’s entire population. Other major metropolitan areas in the state include Augusta, Savannah, Columbus, and Macon.
The Province of Georgia was established in 1732, with its first settlement occurring in 1733 when Savannah was founded. By 1752, Georgia had transitioned into a British royal colony, making it the last and southernmost of the original Thirteen Colonies. Named in honor of King George II of Great Britain, the Georgia Colony extended from South Carolina down to Spanish Florida and westward to French Louisiana along the Mississippi River. On January 2, 1788, Georgia became the fourth state to ratify the United States Constitution.
Between 1802 and 1804, a portion of western Georgia was carved out to create the Mississippi Territory, which eventually became the U.S. states of Alabama and Mississippi. Georgia declared its secession from the Union on January 19, 1861, joining the ranks of the original seven Confederate States. After the Civil War, it was the last state to be readmitted to the Union on July 15, 1870. In the late 19th century, during the post-Reconstruction period, Georgia’s economy underwent significant changes, driven by a coalition of influential politicians, business leaders, and journalists, notably Henry W. Grady, who promoted the “New South” ideology focused on reconciliation and industrialization.
In the mid-20th century, several notable figures from Georgia, including Martin Luther King Jr., emerged as key leaders in the civil rights movement. Atlanta was chosen to host the 1996 Summer Olympics, celebrating the centennial of the modern Olympic Games. Since 1945, Georgia has experienced significant population and economic expansion, aligning with the larger Sun Belt trend. Between 2007 and 2008, 14 of Georgia’s counties were listed among the 100 fastest-growing in the United States.
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.