State Department of Insurance Complaint (Template)
A clean, fact-based complaint template for your state's department of insurance. State insurance departments handle thousands of these per year and the complaint typically takes 30-60 days to resolve. Insurers often revise their offer once a complaint is filed.
When to use this template
Use after you have submitted a documented counter-valuation and been rejected without itemized justification, and after a supervisor escalation has produced no movement. The complaint is free to file and is usually submitted via your state DOI's online portal.
The interactive form below is the same playbook we run for clients — given away free. If you'd rather we just do it (counter-valuation, letters, negotiation), our service is $199 for the valuation report plus $149/hour for research and negotiation, capped at 2 hours. Our clients average $3,260 in additional settlement value, and we only proceed when we believe we can secure at least $1,000 more — no charge upfront, and if we agree to be your appraiser and can't deliver that minimum, you pay nothing.
What this involves, honestly
DOI complaints take 30-60 days to get a response and rarely resolve a case alone. Use them as pressure alongside an appraisal demand, or as a precursor to litigation. The fields here are straightforward — anyone can file.
Fill it in
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[YOUR FULL NAME]Your full legal name.
[YOUR ADDRESS]Your mailing address.
[YOUR EMAIL]Email.
[YOUR PHONE]Phone.
[STATE]Your state's name (e.g. Texas).
[INSURER NAME]Insurer's legal name.
[POLICY NUMBER]Policy number.
[CLAIM NUMBER]Claim number.
[DATE OF LOSS]Date of loss.
[INSURER OFFER]Most recent offer.
[YOUR COUNTER]Your counter-valuation amount.
[TODAY'S DATE]Today's date.
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[YOUR FULL NAME]
[YOUR ADDRESS]
Email: [YOUR EMAIL]
Phone: [YOUR PHONE]
[TODAY'S DATE]
[STATE] Department of Insurance
Consumer Services Division
Re: Complaint regarding total-loss valuation handling
Insurer: [INSURER NAME]
Policy: [POLICY NUMBER]
Claim: [CLAIM NUMBER]
Date of loss: [DATE OF LOSS]
To Whom It May Concern,
I am submitting this complaint regarding [INSURER NAME]'s handling of my
total-loss claim. I believe the carrier has failed to comply with its
contractual obligations and with [STATE]'s unfair-claims-practices
standards.
Background:
1. My vehicle was declared a total loss following the [DATE OF LOSS]
incident.
2. The insurer's first-pass valuation report contains documented
errors, including incorrect comparable selection, missed factory
options, and (where applicable) an unsupported typical-negotiation
discount applied to advertised prices.
3. I submitted a documented counter-valuation supported by current
local-market dealer comparable listings and a line-by-line
adjustment audit. The carrier's most recent offer is $[INSURER
OFFER]; my documented counter is $[YOUR COUNTER].
4. The carrier has rejected my counter without providing itemized
justification for the rejection. A supervisor-level escalation has
not produced a substantive response.
Specific concerns:
- Failure to provide a complete, itemized explanation for the
valuation adjustments, despite repeated written requests.
- Selection of comparable vehicles that are not representative of the
local replacement-vehicle market.
- Use of condition grades and adjustment categories that are not
supported by the documented condition of my vehicle.
Requested resolution:
1. Investigation of [INSURER NAME]'s handling of this claim.
2. Order requiring the carrier to provide a complete, itemized
explanation of every adjustment in the valuation report.
3. Order requiring the carrier to issue a revised offer that reflects
the documented errors, or a specific evidence-based explanation of
why each adjustment is declined.
I have attached supporting documentation, including the carrier's
original offer letter, my documented counter-valuation, the current
dealer comparable listings, and copies of all written correspondence
with the adjuster and supervisor.
Thank you for your attention to this matter. I am happy to provide
additional documentation as needed.
Sincerely,
[YOUR FULL NAME]
Attachments:
- Carrier's offer letter and valuation report
- Counter-valuation worksheet
- Comparable listing screenshots / URLs
- Email correspondence with adjuster and supervisor
Have a SecondAppraisal advisor call you
Stuck on a step, want a sanity check, or ready to just hand it off? Check the box and we'll call within 24 hours on weekdays. No charge to talk; no obligation.
Filed? Good. Now keep working the appraisal-clause path in parallel — DOI complaints are pressure, not a remedy.