Construction defect and delay claims in Georgia follow entirely different legal paths and trigger different insurance policies. Defect claims - those involving physical damage from faulty workmanship - generally route through commercial general liability and professional liability coverage. Delay claims, which are rooted in schedule failures and economic losses, belong under performance bonds and builder's risk policies. Georgia's economic loss rule, the Right to Repair Act, and the state's bad faith statute all shape how these disputes unfold. Framing the claim under the wrong theory can result in a coverage denial that's difficult to reverse. Contractors, developers, and property owners in the Atlanta area need to identify the correct legal theory early, preserve the right evidence, and meet strict notice deadlines to protect their recovery.