Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

File a complaint against an insurance provider

Make sure you have all your supporting documentation and get in touch with your state's DOI.

Updated

Fact checked

According to the National Association of Insurance Commissioners (NAIC) as of August 2019, there were over 100,000 complaints filed against providers and closed in 2018. Luckily, each state has a Department of Insurance (DOI) to assist consumers who’ve had their claims mishandled.

How do I file a complaint against an insurer?

Follow these steps to file a complaint with your state’s DOI:

  1. Go to the NAIC website
  2. Select Consumers
  3. Under Consumer complaints select your state and hit Go
  4. Follow the instructions on your state’s page
  5. Wait to hear back about your complaint

What information do I need to provide?

What you’re required to fill out will vary by your state, but there are some basics that you’ll likely need regardless of where you live. Keep the following handy when you’re going to file a complaint:

  • Your name and contact details
  • Address and phone number
  • Date of the loss
  • Insurance provider
  • Agent or adjuster’s name
  • Policy number
  • Certificate number
  • Claim number
  • Policy start date
  • Policy cancellation date, if applicable
  • Details of the complaint
  • Any supporting documents

Your state’s DOI may be under another name

Not every state’s DOI is actually called the Department of Insurance. Some are the Insurance Department, Division of Insurance or — in Colorado’s case — the Department of Regulatory Agencies.

Each of these departments serve a similar function and will be where you file your complaint.

Find a new insurer

Name Product Storm & water backup Valuable property Enhanced rebuild Homeshare coverage Available states
Policygenius home insurance
All 50 states
This online marketplace does most of the work for you, matching you with quotes from 14 highly rated home insurers.
Hippo home insurance
AL, AZ, CA, CO, GA, IL, IN, MD, MN, MS, MO, NV, NM, OH, PA, SC, TN, TX, UT, WI
Get an online quote in 60 seconds and find out how much you could save with Hippo.
Kin home insurance
AL, FL, GA, TX
Get coverage fast with policies designed to protect coastal homes.
Progressive home insurance
All 50 states
Protect your home and auto insurance with Progressive to save a bundle.
Allstate home insurance
All 50 states
Protect your home and belongings and save even more by bundling insurance with Allstate.
Liberty Mutual home insurance
All 50 states
Invest in affordable insurance that protects your home and your property from damage no matter where you live.
Gabi home insurance
Gabi home insurance
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Lemonade home insurance
AZ, CA, CT, DC, GA, IL, IN, MD, MI, NV, NJ, NY, OH, OR, PA, TN, TX, VA, WI
Enjoy straightforward pricing, transparent flat fee from this completely digital insurer.
Farmers home insurance
AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NJ, NM, NY, ND, OH, OK, OR, PA, SD, TN, TX, UT, VA, WA, WI, WY
Claims forgiveness and eco-friendly replacements stand out to help you rebuild in an even better situation.
USAA home insurance
All 50 states
Enjoy great rates and wide coverage with USAA. Available to military members and family.
Assurance home insurance
All 50 states
Compare home insurance quotes from multiple top brands at once.
loading

Compare up to 4 providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Geico
Optional
26%
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
loading

Compare up to 4 providers

Name Product Issue age Minimum Coverage Maximum Coverage Medical Exam Required
Sproutt
18 - 100 years old
$50,000
$3,000,000
No
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
Policygenius
18 - 85 years old
$10,000
$10,000,000+
Depends on provider and policy
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
Bestow
21 - 54 years old
$50,000
$1,000,000
No
Affordable 10- and 20-year term life insurance policies with instant quotes and no medical exams.
Everyday Life
20 - 75 years old
$100,000
$10,000,000
No
Build a customized laddering strategy to target specific financial responsibilities and save on term life.
Fabric
25 - 60 years old
$100,000
$5,000,000
Depends on policy
Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.
loading

Compare up to 4 providers

When should I file a complaint?

A few steps are generally required before you take your complaint to your state’s DOI.

  • Try to settle things directly with the insurer. Negotiating with your insurance provider is probably your best first step before filing a complaint. If you have an issue with the amount being paid out, billing, renewal or an adjuster’s assessment, those are disputes that can likely be handled without the state’s involvement.
  • Talk to your independent agent. Your agent has more of a vested interest in seeing your case settled than your state’s DOI, and you may be able to get a faster resolution than if you filed a complaint.

What can my state’s DOI do?

Your state’s DOI office is limited in how much action they can take against the insurance provider. For the most part, the DOI can’t do much more than investigate the complaint and ask for an answer from the insurer.Complaints filed against insurers with the state also become public record. That means others looking into the provider can look up the details of the complaint and how it was resolved.

What if I’m unsatisfied with the resolution?

The state won’t be able to provide legal advice, make liability decisions or address any issues that don’t have legal backing. That means if you’re unsatisfied with the resolution, you may need to speak with an attorney if you believe further action is necessary.

When will I hear back about my complaint?

The complaint process is different depending on the state you’re in, and that includes processing times. You’ll probably need to be patient when it comes to waiting for your complaint to be processed and closed. With the possibility of your state handling hundreds of other complaints, it may take some time for it to be processed.

To get an accurate read on how long it will take to get a resolution, email or call your state’s DOI. You may also be able to get an update on the status of a complaint you already filed.

How do I check complaints against an insurer?

As mentioned above, complaints filed against providers with the state become a matter of public record. An annual report can typically be found through your state’s DOI with information on how many complaints were filed for what type of coverage and against which insurance providers.

You can also use the resources provided by NAIC on its website. You’ll be able to select the report type and view how many complaints were filed against a company by state and coverage type.

  1. Go to the NAIC website
  2. Select Consumers
  3. Type the company name, select the type of insurance and your state and click Search

Bottom line

The time it takes to file a complaint can be significantly cut down by using online tools and having the appropriate documentation ready. Be sure you understand what your state’s DOI can and can’t do for you before you file, and be prepared to wait for a resolution.

Frequently asked questions

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site