GA SB585

Property and casualty insurers must submit annual ZIP code-level data to the Georgia Department of Insurance by January 30, 2027, including nonrenewal rates, cancellation rates, claim frequency, average claim amounts, loss ratios, and average premiums

Insurers using natural disaster risk models or catastrophe models must disclose model descriptions, rate impacts, actuarial justifications, and how models factor into underwriting decisions; submitted models are protected as trade secrets

The Insurance Commissioner must establish actuarially appropriate premium reductions for homeowners who demonstrate property-specific mitigation actions (e.g., defensible space, building hardening) or community-level mitigation measures (e.g., forest treatment, fuel reduction)

Insurers must provide annual written notice to policyholders explaining their natural disaster risk score, the range of possible scores, why they received their score, and how mitigation actions could improve it

Policyholders may appeal inaccurate risk scores or mitigation discounts directly to insurers, who must acknowledge appeals within 10 calendar days and respond with a decision within 30 calendar days