Insurance Litigation — Savannah, Georgia

When the insurance company won't pay what it owes.

Insurance companies have teams of lawyers and adjusters whose job is to minimize what they pay out. When your legitimate claim is denied, underpaid, or delayed without justification, you need an attorney who will hold them accountable.

📞 Call Us Send a Text

What We Handle

Insurance disputes we litigate.

First-party property insurance claims — homeowner, commercial property
Bad faith denial or delay of covered claims
Business interruption insurance disputes
Liability insurance coverage disputes
Life insurance claim denials
Disability insurance claim disputes (private policies)
Underinsured and uninsured motorist (UM/UIM) claims
Health insurance coverage disputes
Insurer misrepresentation and policy rescission

Bad Faith in Georgia

Georgia law gives you real leverage.

Bad Faith Penalties

Under Georgia law, an insurer that refuses to pay a covered claim in bad faith may be liable for the covered amount plus a penalty of up to 50% of the claim and attorney's fees. This statutory remedy gives policyholders meaningful leverage against unreasonable denials and delays.

The Demand Letter Matters

Triggering bad faith liability in Georgia requires a proper written demand. The timing, content, and framing of that demand affects the remedies available to you. Getting this right from the start — before filing suit — is critical.

Insurer Tactics

Insurers routinely delay claims, request unnecessary documentation, dispute causation, and invoke policy exclusions of questionable applicability. Understanding these tactics — and how Georgia courts have treated them — is essential to an effective litigation strategy.

Common Questions

What people ask.

My homeowner's insurance denied my claim. What should I do first?

Get the denial in writing if you don't already have it, and read it carefully — specifically the policy provision the insurer is relying on. Don't accept the denial without reviewing your policy and consulting an attorney. Many denials rely on exclusions that don't apply or are applied incorrectly. Contact us before you respond to the insurer.

What is insurance bad faith and how do I know if it applies to my situation?

Bad faith occurs when an insurer unreasonably refuses to pay a covered claim, delays payment without justification, or otherwise fails to meet its obligations under the policy. In Georgia, a demand and 60-day waiting period are generally required before a bad faith suit can proceed. We evaluate whether your situation qualifies at no charge.

The insurance company offered me a settlement. Should I accept it?

Not before consulting an attorney. Insurers routinely offer settlements that are significantly below the actual value of a claim. Once you accept and sign a release, your rights are extinguished. We can review any offer and tell you whether it's reasonable before you decide.

Does this apply to car insurance disputes too?

Yes. Uninsured and underinsured motorist (UM/UIM) claims — where your own insurer is responsible for coverage — are among the most common insurance litigation matters. These claims are subject to Georgia's bad faith statute and require the same careful handling as any other coverage dispute.