Find an insurance regulator or file a complaint

Start with the NAIC Insurance Departments directory and select your state or jurisdiction. It links to department contact information and complaint options, helping you avoid look-alike services or unofficial directories.

If more than one state may be involved—for example, you moved after purchase—describe that in your submission. The department can tell you whether it has authority or whether another regulator should receive the matter.

Open the NAIC state insurance department directory ↗

The NAIC advises consumers to try resolving the issue with the insurer first. Ask for a written response and record the date, channel, representative, and reference number for each contact.

Escalate when the issue remains unresolved or involves matters such as an unfair delay or denial, failure to honor the policy, a possible violation of state insurance law, poor communication, or disputed cancellation or nonrenewal.

• The full legal name of the insurer or agent and your contract or policy number.
• A dated timeline written in neutral, specific language.
• The relevant contract pages, statements, illustrations, letters, emails, and call notes.
• The insurer's response and the concrete outcome you requested.
• Copies rather than irreplaceable originals, unless the department instructs otherwise.

Do not include unrelated sensitive records. Follow the department's secure submission instructions for personal or financial information.

After determining that a complaint is within its authority, a department may send it to the insurer for an explanation and review the response against the policy and state requirements. The exact process and available remedies vary by jurisdiction.

A regulatory complaint is not a substitute for a court filing, tax advice, or individual legal advice. If a deadline or separate legal right may be involved, ask an appropriately qualified professional about it rather than waiting for the complaint process to answer a different question.