Carrier-by-carrier notes, the 72-hour rule, ACV vs RCV, what Xactimate scoping looks like, and the documentation that decides whether your claim closes clean or comes back short. Written as an educational guide for Georgia homeowners comparing contractor and insurance documentation standards.
Homeowners insurance in Georgia covers water damage from sudden, accidental causes — burst pipes, appliance failures, toilet overflows — but not gradual leaks or outside flooding. Coverage depends on your policy and carrier. Strong files usually include IICRC S500 categorization, photo documentation, a moisture map, and a written scope prepared promptly after discovery.
Every carrier reviews details differently. Use these notes as questions to discuss with your contractor, adjuster, or public adjuster.
Largest homeowners carrier in Georgia. Adjusters typically scope in Xactimate and want photos with date stamps, a moisture map, and a written cause-of-loss statement before approving mitigation past 72 hours. Pre-approval is usually verbal — get the adjuster's name and a claim authorization number in writing (text or email).
Heavy on third-party desk adjusters for water losses under $10K. They'll often request the mitigation scope by email within 24 hours. Push for an Independent Adjuster (IA) site visit on losses above $15K — desk-only adjustments tend to underscope reconstruction.
Fast claims, strong on documentation. They expect IICRC S500 categorization (Cat 1/2/3) in the initial scope and verified-dry psychrometric logs at completion. Ask the contractor how billing, documentation, and payment timing work before signing.
Uses preferred-vendor programs (some homeowners are required to use them, most aren't). You have the right under Georgia law to choose your own restoration contractor — they cannot force a preferred vendor. Ask any contractor to document the job consistently and explain billing before work begins.
Strong on supplements when the initial scope misses concealed damage (wall cavities, subfloor, cabinet bases). Always re-scope after demo — hidden damage discovered during tear-out is reimbursable but only if documented and submitted as a supplement within the policy window.
Mid-tier carriers, standard ACV/RCV split. Document depreciation holdback carefully — recoverable depreciation is released after reconstruction is complete and invoiced. Don't sign final paperwork until the recoverable portion is paid.
Everything on this list takes 10 minutes and protects thousands of dollars in your claim.
Call EmesticaCure for directory help. We can point you toward contractor listings and the questions to ask before hiring.
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