Georgia: Governor Signs Georgia Insurance Affordability and Claims Integrity Act

Key Takeaways:

• Georgia Gov. Brian Kemp signed HB 1344, the Georgia Insurance Affordability and Claims Integrity Act, May 12.
• The law strengthens claims oversight and market protections through increased penalties, enhanced fraud enforcement, improved storm claims processes, and stronger uninsured motorist requirements.
• Other provisions in the legislation address market and regulatory issues, including limits on premium tax refunds, reporting requirements, restrictions on aerial imaging, a longer claims filing window, and updates to programs and policies such as the Fortified Homes Project and short-term rentals.

On the final day of the bill signing period, May 12, Gov. Brian Kemp signed HB 1344, the Georgia Insurance Affordability and Claims Integrity Act. The legislation is based on recommendations from the House Blue-Ribbon Study Committee on Insurance Rates. Speaker Jon Burns emphasized that the legislation reflects the House’s commitment to improving affordability and accessibility for Georgia families, homeowners, and businesses.

Key provisions from the bill include:

• Increased penalties for violations during the claims process;
• Stronger enforcement of uninsured motorist laws;
• Expanded efforts to combat insurance fraud;
• Improvements to storm-related claims processing;
• Enhancements to the Fortified Homes Program and funding;
• Requirements for local governments to report how premium tax revenues are used;
• A three-year limit on premium tax refund requests;
• Restrictions on the use of aerial imaging by insurers;
• Extension to a two-year window to file property and casualty claims; and
• New provisions related to short-term rental insurance policies.

For the list of all bills signed and vetoed by Kemp, please see here:

• Signed
• Vetoed