How to file an insurance complaint in Texas

The filing sequence

1. 01

   Contact your insurance company, agent, or adjuster first and keep a record of the response.

2. 02

   Use TDI's complaint guidance to confirm that TDI regulates the company and issue involved.

3. 03

   Describe what happened in date order and upload the documents that support each statement.

4. 04

   Save the portal confirmation and every later message from TDI or the insurer.

5. 05

   Review the insurer's response carefully. A complaint does not replace legal advice or preserve every legal deadline.

What to prepare

• Policy and declarations page
• Claim number and loss date
• Denial, reservation-of-rights, or payment letters
• Carrier and contractor estimates
• Photos and a dated communication log
• The specific resolution you are asking the regulator to review

What the process cannot promise

• TDI says it cannot make a company pay unless nonpayment violates law or the policy.
• TDI does not decide disputed facts or fault in the way a court can.
• The complaint process is not a substitute for legal advice and may not pause contractual or lawsuit deadlines.