Playbooks / Insurance company
How to complain about a insurance company
Claim denials are reviewable by a state regulator that insurers are legally required to answer.
What goes wrong most often
- Claim denied with no cited policy language
- Lowball settlement with no itemized basis
- Adjuster unreachable for weeks
- Premium raised after a not-at-fault claim
The evidence that decides it
- The policy declarations page
- The denial letter
- Your own estimates and photos
Quote the policy section and the denial reason, then let readers compare them.
The regulator most people never use
State department of insurance
Every state's insurance department takes consumer complaints and requires a written response from the carrier, usually within 15–30 days.
Your state's channel is listed in the state complaint guides.
Where to post it
- Better Business BureauCautious buyers who check a company before spending money, and BBB pages rank strongly in search.
- GoogleEveryone who searches the business by name, plus everyone browsing the map for a nearby alternative.
- FacebookLocals, and the business's own followers.
- TrustpilotOnline shoppers, and often the business's own website widget.
Wording that survives moderation
Start from a review template, keep every claim tied to a document, and read the wording rules before you post. If it comes down anyway, there is an appeal path.