Written by Andy Gurczak

October 21, 2021

How to Complain About Insurance Companies

How To Complain About Insurance Companies

Insurance companies are in business for the money. They aren’t charities, and they don’t necessarily have your best interests in mind. For this reason, you might find yourself suffering an unpleasant experience when dealing with your insurance company. As a result, you might find yourself needing to file a complaint against them. So, if you have a complaint about your insurance company, where do you turn? To answer this question, we have compiled some of the best advice we offer on how to complain about insurance companies.

How to Complain About Insurance Companies Frustration

If you want to submit a complaint about your insurance, here are the most common options:

  • Contact your insurance agent.
  • Appeal to an executive at the insurance company.
  • Ask a third party, such as an ombudsman, to mediate your dispute.
  • File a complaint with the state department of insurance, which regulates insurance activity and insurer compliance with state laws and regulations.
  • Seek arbitration if that is an option in your policy.
  • File a legal claim against the insurer in court.

Why Complain About Insurance Companies?

There are a number of reasons why you might make a complaint about an insurance company.

For example:

  • You feel your insurer gave you unfair compensation for your damage.
  • Repair work has been done to a poor standard.
  • You were treated poorly by the company’s insurance agents.
  • Your insurer automatically renewed your policy without you realizing it.
  • You might feel that your insurance agent didn’t properly explain your policy when they sold it to you.

After you make a complaint, the insurance company will look at your complaint and see if it’s appropriate to compensate you. In fact, there’s a simple, step-by-step process you can go through to try and resolve the problem. Read on ahead to learn how to complain about insurance companies.

How to Complain About Insurance Companies:

First, you can try to resolve the complaint informally.

If you bought your policy through an insurance broker, they might make a complaint for you. So it’s worth asking to save yourself the hassle.

In other cases, it’s possible to resolve a complaint informally with a quick phone call to the insurance company’s helpline.

This would be a good first step. However, make sure to note down who you spoke to, when, and what was said, just in case you need to take things further.

If you are unhappy with the result, send a written complaint.

If you’re not happy with the company’s response to your informal complaint, you can make a written complaint. Every insurance company has a formal complaints procedure that you can follow if things go wrong.

It even tells you who to contact and when to expect a response. Moreover, many companies publish their consumer complaint forms on their website. If you can’t find it, contact them and ask for a copy.

How do I write a formal insurance complaint letter?

When writing a formal insurance complaint letter, be sure to:

  • First, put the date.
  • Second, give your name, policy number and claim number.
  • Then ensure to mark the letter as a ‘complaint’ clearly at the top.
  • After, continue to explain your complaint clearly. State what you’re unhappy about what happened. Also, be specific about when it happened.
  • In addition, include any evidence you have to support your complaint.
  • Moreover, say what you would like the company to do to put things right.
  • Finally, state that if you are unhappy with the company’s response, you will take the matter to the Financial Ombudsman Service.

How to Complain About Insurance Companies Written Complain

After you submit a complaint, be sure to keep records of your complaint.

Keep copies of any correspondence and notes of any telephone conversations so you can pass them on to the Ombudsman Service if you need to.

Make sure to keep tabs on:

  • every letter you receive and every letter you send
  • any emails or text messages exchanged
  • a copy of your complaint
    And for every phone call related to your complaint, note the time, date, who you spoke to, and what was said.

Please Contact the Financial Ombudsman Service for Help

The Financial Ombudsman Service is a free service that helps to resolve disputes between consumers and financial services organizations.

When can you use the Financial Ombudsman Service?

Before you can use the Ombudsman Service, you must follow your insurance company’s official complaints procedure. Once you’ve complained, depending on the state, they have around eight weeks to respond.

However, you can contact the Ombudsman Service initially for advice. But they can only act after you get a final response from the insurance company or as soon as the eight weeks are up.

What will the Ombudsman Service do?

The Ombudsman Service will look at the case based on the facts. So you don’t have to worry about presentations or arguments, just about telling the truth in your own words.

They will listen to both sides of the story, including yours and the insurance company’s testimony, and try to come to a fair judgment.

They’ll either reject or accept your complaint and subsequently help you come to a settlement with the company. If it decides you’ve been unfairly treated the Ombudsman Service has the power to make the company:

  • apologize
  • explain their actions
  • offer compensation.

However, if you’re still not happy with the settlement, you can still take the case to court, but you’ll have to pay many expenses. In fact, if the Ombudsman Service concludes you don’t deserve compensation, then it’s extremely unlikely that you’ll win.

How to Complain About Insurance Companies Ombudsman

File a Complaint with State Regulators

In the United States, insurance companies are regulated by states, so you can check the National Association of Insurance Commissioners’ website for help.

State insurance departments are the official complaint-takers for insurance problems. So when you file a complaint through them, they will generally engage in an investigation of the matter.

Furthermore, they will also allow the insurer to explain their view of the situation. Finally, upon adjudication, the body will either certify that no insurance law was broken. If it was, then they’ll refer it to the market conduct division for enforcement.

Hiring a Public Adjuster

Hiring a public adjuster can help you avoid having to file a complaint in the first place. A public insurance adjuster is a claims professional that works for you instead of the insurance company.

They know all the tips and tricks to protect your rights as the policyholder and ensure your insurance company treats you fairly. They can take care of every step of your claim, including filing, settling, and resolving disputes. Hire a public adjuster today to handle your insurance claim needs.

How to Complain About Insurance Companies Public Adjuster

Hiring a Lawyer

In the most extreme cases, you might need to take your dispute to court. That’s when you might have to call a lawyer for an insurance problem. You might find you need one, especially if you have a large, expensive claim or a complex claim.

free claim review

Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

public adjusting call support

Real Support When You Need It!

Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

Stay Up to Date With The Latest News & Updates

Don't Wait - Get More

Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.

public adjuster service areas background

Join Our Newsletter

Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.

Follow Us

Follow us on the following social networks.

Call Us Now