One of the most unpleasant things to do is file a complaint on anybody. For some of us, the transgression must be pretty severe to follow through with filing a complaint. Unfortunately, some may have to be filed to get the service you require and deserve. This is especially true when it comes to homeowners’ insurance. Having a quality experience during your insurance claim is vital.
Reasons for Filing a Complaint
Accuracy and speed are the two most important components in getting your life back in order after an insurance claim. If these two aspects are failing, there can be legitimate grounds to file a complaint. According to the Oklahoma Insurance Department website: “A complaint is justified if there is a violation of state law, rules, or policy provisions or if there is a continuous concern about a practice or service that is considered below customary business.”
Typically, actions that breach what is stated above include agent mishandling, unjust claim denial, claim delay, unresponsiveness, unsatisfactory settlement, misrepresentation, information request, or cancellations. Be sure to be clear on the infringement(s) that have occurred when filing your complaint.
As it pertains to delays, it is stated in the Oklahoma Insurance Department Rules, Chapter 15, Sub Chapter 3-5, Sub-section (b) that every inquiry relating to the claim should be responded to within 30 days. After those 30 days, if there is no response from your insurance company, you have legitimate grounds to file a complaint.
Furthermore, grounds to file can also be insufficient reimbursement. If you feel and have proof from other vendors that your insurance company has not paid out appropriately, there could be a reason for a legitimate complaint as well.
There can be various other reasons for wanting to file a complaint. Be sure that your complaint is legitimate and has tracts with the Oklahoma Insurance Department protocol.
How to File a Complaint
Filing a complaint is fairly simple. You can visit the Oklahoma Insurance Department website, https://www.oid.ok.gov, click the subtitle “Industry/Regulations” and choose the “file a complaint” tab. You are then directed to choose between an online form and a paper form.
Next, the webpage instructs you to fill the form out completely, providing as much detail as possible, sign the form, provide copies of policies, all correspondence, payments, any contracts, or anything else that pertains to your claim and the made complaint. Once you are satisfied with the information and every input with an asterisk is filled out, you can submit your complaint.
If you are filling out a printed request for assistance, be sure to fill all of the required fields with the proper information. Once that has been completed, you must send it to:
OKLAHOMA INSURANCE DEPARTMENT
400 NE 50th St.
Oklahoma City, OK 73105
Things to have Prepared
Being prepared for the complaint is imperative to get the desired response. Make having all correspondence, including emails, phone calls, letters, or pigeon letters, prepared and documented a priority. This will confirm any and all response, or lack of response, between you and the insurance company.
Furthermore, have any payments or confirmation of payments copied or saved so that you also have a record of monetary interactions. This is important if dollar figures need to be compared and disputed. This will also come in handy if this escalates to where you need more legal consultation.
Be sure to have a very good working knowledge of your policy. Know exactly what you are covered for and all of the exclusions that may be present. Seek clarification or consultation to understand the entirety of your policy further. You will only have grounds for a legitimate complaint if there is a breach in rules and ethics or your policy.
By law, your insurance company has 20 days from the receipt of the Insurance Department’s receipt to respond and defend its position. Hopefully, your complaint was settled appropriately at this point.
If, for whatever reason, you are not satisfied with the result of your complaint, please seek further assistance by contacting a bad faith attorney or a public insurance adjuster. Doing this can confirm whether your complaint has had legitimate grounds and assist your claim henceforth.