Why State Insurance Departments Matter
State Departments of Insurance (DOIs) regulate carriers, enforce consumer protections, and investigate unfair claim practices.
When to Contact Them
Engage your DOI when communication stalls, timelines slip, or carrier conduct appears unfair or non-compliant.
Common Triggers
- Claim delays
- Non-response
- Lowballing
- Bad faith indicators
- Unfair settlement practices
Full State Directory
Direct links to every state insurance department and their consumer complaint portals.
Alabama
Phone: (334) 000-0000
Email: consumer@alabama.gov
Alaska
Phone: (907) 000-0000
Email: consumer@alaska.gov
Arizona
Phone: (602) 000-0000
Email: consumer@arizona.gov
Arkansas
Phone: (501) 000-0000
Email: consumer@arkansas.gov
California
Phone: (800) 000-0000
Email: consumer@insurance.ca.gov
Colorado
Phone: (303) 000-0000
Email: consumer@co.gov
Connecticut
Phone: (860) 000-0000
Email: consumer@ct.gov
Delaware
Phone: (302) 000-0000
Email: consumer@delaware.gov
Florida
Phone: (850) 000-0000
Email: consumer@myfloridacfo.com
Georgia
Phone: (404) 000-0000
Email: consumer@oci.ga.gov
Hawaii
Phone: (808) 000-0000
Email: insurance@dcca.hawaii.gov
Idaho
Phone: (208) 000-0000
Email: consumer@doi.idaho.gov
Illinois
Phone: (217) 000-0000
Email: consumer@illinois.gov
Indiana
Phone: (317) 000-0000
Email: consumer@idoi.in.gov
Iowa
Phone: (515) 000-0000
Email: consumer@iid.iowa.gov
Kansas
Phone: (785) 000-0000
Email: consumer@ksinsurance.org
Kentucky
Phone: (502) 000-0000
Email: consumer@ky.gov
Louisiana
Phone: (225) 000-0000
Email: consumer@ldi.la.gov
Maine
Phone: (207) 000-0000
Email: consumer@maine.gov
Maryland
Phone: (410) 000-0000
Email: consumer@maryland.gov
Massachusetts
Phone: (617) 000-0000
Email: consumer@mass.gov
Michigan
Phone: (517) 000-0000
Email: consumer@michigan.gov
Minnesota
Phone: (651) 000-0000
Email: consumer@mn.gov
Mississippi
Phone: (601) 000-0000
Email: consumer@mid.ms.gov
Missouri
Phone: (573) 000-0000
Email: consumer@insurance.mo.gov
Montana
Phone: (406) 000-0000
Email: consumer@mt.gov
Nebraska
Phone: (402) 000-0000
Email: consumer@nebraska.gov
Nevada
Phone: (775) 000-0000
Email: consumer@doi.nv.gov
New Hampshire
Phone: (603) 000-0000
Email: consumer@ins.nh.gov
New Jersey
Phone: (609) 000-0000
Email: consumer@dobi.nj.gov
New Mexico
Phone: (505) 000-0000
Email: consumer@osi.state.nm.us
New York
Phone: (212) 000-0000
Email: consumer@dfs.ny.gov
North Carolina
Phone: (919) 000-0000
Email: consumer@ncdoi.gov
North Dakota
Phone: (701) 000-0000
Email: consumer@nd.gov
Ohio
Phone: (614) 000-0000
Email: consumer@insurance.ohio.gov
Oklahoma
Phone: (405) 000-0000
Email: consumer@oid.ok.gov
Oregon
Phone: (503) 000-0000
Email: consumer@oregon.gov
Pennsylvania
Phone: (717) 000-0000
Email: consumer@pa.gov
Rhode Island
Phone: (401) 000-0000
Email: consumer@dbr.ri.gov
South Carolina
Phone: (803) 000-0000
Email: consumer@doi.sc.gov
South Dakota
Phone: (605) 000-0000
Email: consumer@state.sd.us
Tennessee
Phone: (615) 000-0000
Email: consumer@tn.gov
Texas
Phone: (512) 000-0000
Email: consumer@tdi.texas.gov
Utah
Phone: (801) 000-0000
Email: consumer@utah.gov
Vermont
Phone: (802) 000-0000
Email: consumer@vermont.gov
Virginia
Phone: (804) 000-0000
Email: consumer@scc.virginia.gov
Washington
Phone: (360) 000-0000
Email: consumer@oic.wa.gov
West Virginia
Phone: (304) 000-0000
Email: consumer@wvinsurance.gov
Wisconsin
Phone: (608) 000-0000
Email: consumer@wisconsin.gov
Wyoming
Phone: (307) 000-0000
Email: consumer@wyo.gov
Federal Agencies
Key federal programs that intersect with property and flood claims.
FEMA
Focus: Disaster assistance and recovery programs.
NFIP
Focus: Flood insurance oversight and claims.
CMS
Focus: Health-related claims and coordination.
When to Contact Your State DOI
Escalate to your Department of Insurance when carrier conduct delays or jeopardizes a fair claim resolution.
- 30+ days with no response
- Repeated document requests already delivered
- Suspicious or inconsistent engineering reports
- Extreme delays with no clear timeline
- Bad faith indicators or denied inspections
Tools That Help Prepare a Complaint
Capture evidence, timelines, and communication logs before filing with your DOI.
Evidence Organizer
Centralize photos, invoices, and inspection notes for quick DOI submissions.
Open ToolClaim Journal
Log every carrier touchpoint with timestamps and commitments in one place.
Start LoggingAI Response Agent
Draft carrier follow-ups and escalation letters faster with AI support.
Generate LettersDocument Generator
Create formal complaint packets tailored to your state’s requirements.
Build DocsClaim Playbook
Step-by-step playbook for negotiating fair settlements and avoiding traps.
Open PlaybookNeed Help Preparing a Complaint?
Generate a ready-to-send complaint packet with timelines, evidence references, and carrier communication history.