Resources / State insurance departments
Your state’s insurance
regulator, in one place
Every state licenses insurers and adjusters and takes complaints from policyholders. Find your state’s regulator, its complaint form, its consumer help line, and the laws that govern how claims must be handled.
All 50 states and D.C.
- AL
- Insurance code
- Code of Alabama, Title 27 (Insurance)
- Unfair claims practices law
- Ala. Admin. Code ch. 482-1-125
Alabama has not adopted the NAIC Unfair Claims Settlement Practices Act; claim-handling standards are set by Department regulation 482-1-125.
- AK
- Insurance code
- Alaska Statutes, Title 21 (Insurance)
- Unfair claims practices law
- Alaska Stat. § 21.36.125
The Division of Insurance is part of the Alaska Department of Commerce, Community, and Economic Development. Toll-free 1-800-467-8725 works in Alaska outside Anchorage.
- Insurance code
- Arizona Revised Statutes, Title 20 (Insurance)
- Unfair claims practices law
- A.R.S. § 20-461
DIFI (formerly the Arizona Department of Insurance) regulates both insurance and financial institutions.
- AR
Arkansas
- Insurance code
- Arkansas Code, Title 23
- Unfair claims practices law
- Ark. Code Ann. § 23-66-206(13)
- CA
California
- Insurance code
- California Insurance Code
- Unfair claims practices law
- Cal. Ins. Code § 790.03(h)
Fair Claims Settlement Practices Regulations at Cal. Code Regs. tit. 10, § 2695.1 et seq. supplement § 790.03(h).
- CO
Colorado
- Insurance code
- Colorado Revised Statutes, Title 10 (Insurance)
- Unfair claims practices law
- C.R.S. § 10-3-1104(1)(h)
The Division of Insurance is part of the Colorado Department of Regulatory Agencies (DORA).
- CT
Connecticut
- Insurance code
- Conn. Gen. Stat. Title 38a (Insurance)
- Unfair claims practices law
- Conn. Gen. Stat. § 38a-816(6)
- DE
Delaware
- Insurance code
- Delaware Code, Title 18
- Unfair claims practices law
- 18 Del. C. § 2304(16)
- DC
District of Columbia
District of Columbia Department of Insurance, Securities and Banking
- Insurance code
- D.C. Code Title 31
- Unfair claims practices law
- D.C. Code § 31-2231.17
- Insurance code
- Florida Statutes, Title XXXVII (Insurance), Chapters 624-651
- Unfair claims practices law
- Fla. Stat. § 626.9541(1)(i)
OIR regulates insurers, but consumer complaints and assistance are handled by the Florida Department of Financial Services, Division of Consumer Services (complaint link and helpline above).
- Insurance code
- O.C.G.A. Title 33 (Insurance)
- Unfair claims practices law
- O.C.G.A. § 33-6-34
- Insurance code
- Haw. Rev. Stat. Title 24 (Insurance), incl. Ch. 431 Insurance Code
- Unfair claims practices law
- Haw. Rev. Stat. § 431:13-103(a)(11)
The complaint page asks consumers to call a Division investigator at 1-844-808-DCCA (3222) first, then links to the online complaint form hosted on NAIC's system.
- Insurance code
- Idaho Code Title 41 (Insurance)
- Unfair claims practices law
- Idaho Code § 41-1329
- IL
Illinois
- Insurance code
- Illinois Insurance Code
- Unfair claims practices law
- 215 ILCS 5/154.6
Complaints must be in writing; online filing goes through the IDOI Help Center (idoihelpcenter.illinois.gov), linked from the complaint page.
- IN
- Insurance code
- Indiana Code Title 27 (Insurance)
- Unfair claims practices law
- Ind. Code § 27-4-1-4.5
The official Indiana Code site is a JavaScript app with no working section deep links, so the unfair-claims link goes to Justia.
- IA
- Insurance code
- Iowa Code Title XIII
- Unfair claims practices law
- Iowa Code § 507B.4(3)(j)
The Division also regulates securities; 877-955-1212 is its toll-free line for calls within Iowa.
- KS
- Insurance code
- Kansas Statutes Chapter 40 (Insurance)
- Unfair claims practices law
- K.S.A. 40-2404(9)
Formerly the Kansas Insurance Department at insurance.ks.gov, which now redirects to insurance.kansas.gov.
- KY
Kentucky
- Insurance code
- Kentucky Revised Statutes Chapter 304
- Unfair claims practices law
- KRS 304.12-230
Complaints are handled by the Division of Consumer Protection and must be submitted in writing; phone complaints are not accepted.
- LA
Louisiana
- Insurance code
- La. Revised Statutes Title 22
- Unfair claims practices law
- La. R.S. 22:1964(14)
- Insurance code
- Maine Revised Statutes Title 24-A
- Unfair claims practices law
- 24-A M.R.S. § 2164-D
The complaint page has a separate online form for property and casualty complaints.
- MD
- Insurance code
- Md. Code, Insurance Article
- Unfair claims practices law
- Md. Code, Ins. § 27-303
- MA
Massachusetts
- Insurance code
- Mass. Gen. Laws ch. 175 (Insurance) and related chapters 175A-176Q
- Unfair claims practices law
- Mass. Gen. Laws ch. 176D, § 3(9)
Complaints go to the Division's Consumer Services Unit; mass.gov blocks automated requests, so the agency pages were confirmed via search results.
- Insurance code
- Michigan Insurance Code of 1956
- Unfair claims practices law
- MCL 500.2026
- MN
Minnesota
- Insurance code
- Minnesota Statutes, Insurance
- Unfair claims practices law
- Minn. Stat. § 72A.201
Insurance is regulated by the Commerce Department's Insurance Division; complaints go through Commerce's Consumer Services Center (651-539-1600 in the Twin Cities, 800-657-3602 in Greater Minnesota).
- MS
Mississippi
- Insurance code
- Mississippi Code Title 83 (Insurance)
Mississippi has not adopted the NAIC Unfair Claims Settlement Practices Act (bills to create one died in 2001), so no unfair-claims citation is listed.
- Insurance code
- RSMo Chapter 375
- Unfair claims practices law
- RSMo § 375.1007
- Insurance code
- Montana Code Annotated Title 33
- Unfair claims practices law
- Mont. Code Ann. § 33-18-201
The elected State Auditor serves as Commissioner of Securities and Insurance (CSI).
- NE
Nebraska
- Insurance code
- Nebraska Revised Statutes Chapter 44 (Insurance)
- Unfair claims practices law
- Neb. Rev. Stat. § 44-1540
The 877 complaint hotline is in-state only; out-of-state callers use 402-471-2201.
- NV
- Insurance code
- Nevada Revised Statutes Title 57 (Insurance)
- Unfair claims practices law
- NRS 686A.310
The Division is part of the Nevada Department of Business and Industry; the toll-free number is the department's.
- NH
New Hampshire
- Insurance code
- N.H. RSA Title XXXVII (Insurance)
- Unfair claims practices law
- N.H. RSA 417:4, XV
The 800 number is toll-free in-state only (603-271-2261 otherwise); insurance.nh.gov blocks automated requests, so the agency pages were confirmed via search results.
- NJ
- Insurance code
- N.J.S.A. Titles 17 and 17B (Insurance)
- Unfair claims practices law
- N.J.S.A. 17:29B-4(9)
Complaints go through DOBI's Consumer Inquiry and Response Center (CIRC). The unfair-claims link is to the regulation on Cornell LII because the official statute site has no stable deep link to 17:29B-4.
- NM
- Insurance code
- NMSA 1978, Chapter 59A
- Unfair claims practices law
- NMSA 1978, § 59A-16-20
The unfair claims link opens the official Chapter 59A table of contents (NMOneSource has no stable deep link to individual sections); § 59A-16-20 is in Article 16.
- Insurance code
- New York Insurance Law
- Unfair claims practices law
- N.Y. Ins. Law § 2601
DFS also enforces claim-handling standards in Regulation 64 (11 NYCRR Part 216).
- NC
North Carolina
- Insurance code
- N.C. General Statutes Chapter 58 (Insurance)
- Unfair claims practices law
- N.C. Gen. Stat. § 58-63-15(11)
- ND
North Dakota
- Insurance code
- North Dakota Century Code Title 26.1 (Insurance)
- Unfair claims practices law
- N.D. Cent. Code § 26.1-04-03(9)
The site footer now reads 'North Dakota Insurance & Securities Department'; the page titles still use 'North Dakota Insurance Department'.
- Insurance code
- Ohio Revised Code Title 39 (Insurance)
- Unfair claims practices law
- Ohio Adm. Code 3901-1-54
- OK
Oklahoma
- Insurance code
- Oklahoma Statutes Title 36 (Insurance)
- Unfair claims practices law
- 36 O.S. § 1250.5
- Insurance code
- Oregon Revised Statutes, Chapters 731-752 (Insurance) - ORS index
- Unfair claims practices law
- ORS 746.230
The Division of Financial Regulation is part of the Oregon Department of Consumer and Business Services and serves as the state's insurance regulator.
- PA
Pennsylvania
- Insurance code
- Pennsylvania Unconsolidated Statutes
- Unfair claims practices law
- 40 P.S. § 1171.5(a)(10)
Claim-handling standards are also set out in regulation at 31 Pa. Code Chapter 146.
- Insurance code
- R.I. General Laws Title 27 (Insurance)
- Unfair claims practices law
- R.I. Gen. Laws § 27-9.1-4
Health insurance complaints go to the separate Office of the Health Insurance Commissioner (ohic.ri.gov); property/casualty complaints go to the DBR Insurance Division.
- SC
South Carolina
- Insurance code
- S.C. Code of Laws Title 38 (Insurance)
- Unfair claims practices law
- S.C. Code Ann. § 38-59-20
The Consumers page links to the department's online complaint form, which is hosted on the NAIC's sbs.naic.org system, and to a PDF form.
- Insurance code
- South Dakota Codified Laws Title 58 (Insurance)
- Unfair claims practices law
- SDCL § 58-33-67
The Division of Insurance is part of the Department of Labor & Regulation; the online complaint form is hosted on the NAIC State Based Systems portal linked from the complaint page.
- Insurance code
- Tennessee Code Annotated Title 56 (Insurance)
- Unfair claims practices law
- Tenn. Code Ann. § 56-8-105
Part of the Unfair Claims Settlement Act (Tenn. Code Ann. §§ 56-8-101 et seq.); implementing rules are Tenn. Comp. R. & Regs. 0780-01-05.
- Insurance code
- Texas Insurance Code
- Unfair claims practices law
- Tex. Ins. Code § 541.060
Prompt-payment-of-claims rules are separately in Tex. Ins. Code ch. 542.
- Insurance code
- Utah Code Title 31A
- Unfair claims practices law
- Utah Code § 31A-26-303
800-439-3805 is the in-state toll-free line; the Salt Lake City area number is 801-957-9200.
- Insurance code
- Vermont Statutes Title 8
- Unfair claims practices law
- 8 V.S.A. § 4724(9)
Insurance is regulated by the Insurance Division of the Department of Financial Regulation, which also oversees banking and securities.
- Insurance code
- Code of Virginia Title 38.2 (Insurance)
- Unfair claims practices law
- Va. Code § 38.2-510
The Bureau of Insurance is a division of the State Corporation Commission, not a standalone department.
- Insurance code
- Revised Code of Washington Title 48 (Insurance)
- Unfair claims practices law
- WAC 284-30-330
Washington's unfair claims practices are defined by regulation (WAC 284-30-330); the Insurance Fair Conduct Act, RCW 48.30.015, gives first-party claimants a private right of action.
- WV
West Virginia
- Insurance code
- West Virginia Code Chapter 33 (Insurance)
- Unfair claims practices law
- W. Va. Code § 33-11-4(9)
Homeowners and other property claims are handled by the Property & Casualty Consumer Services unit, (304) 720-8580.
- Insurance code
- Wisconsin Statutes chs. 600-655 (Insurance)
- Unfair claims practices law
- Wis. Admin. Code § Ins 6.11
Wisconsin's claim settlement practices standards are set by administrative rule (Ins 6.11); 800-236-8517 is toll-free within Wisconsin (608-266-0103 from outside).
- WY
- Insurance code
- Wyoming Statutes Title 26
- Unfair claims practices law
- Wyo. Stat. § 26-13-124
The complaint page explains the process before you file; the online form itself is on the NAIC/Sircon consumer portal linked from doi.wyo.gov/consumers. The official statute exists only as the full Title 26 PDF, so search it for 26-13-124.
Links point to official state sources and were last checked October 2026. Agencies sometimes move pages; if a link breaks, start from the agency’s homepage or the NAIC’s state directory, and let us know. Restoration Education isn’t affiliated with any agency listed.
Before you file
- Put your concerns in writing to the insurer first, and keep copies.
- Have your policy number, claim number, the adjuster’s name, and a timeline of dates ready.
- Attach the key documents: denial letters, estimates, and your emails.
- A complaint creates an official record and requires the insurer to respond to the regulator. It doesn’t replace legal advice, and it doesn’t pause deadlines to sue.