How to file an insurance complaint in Colorado

What the Division of Insurance does — and doesn't do

The process, step by step

1. 1

   Gather your claim documents

   Collect your insurance policy, the denial or underpayment letter, any repair estimates, photos of the damage, and your written correspondence with the insurer. The Division will ask what happened and when — documents answer that better than memory.

2. 2

   Write down your timeline

   List the key dates: the date of loss, when you filed the claim, when the adjuster inspected, and when you received the denial or offer. Note the claim number and your adjuster's name and contact information.

3. 3

   Write your own account of what happened

   Colorado's Division of Insurance expects complaints to come directly from the policyholder, in the policyholder's own words. Describe what happened factually: what you claimed, what the insurer said, and what you are asking the Division to look at. Stick to what you can document.

4. 4

   File with the Division of Insurance

   Submit your complaint through the DORA consumer portal at doi.colorado.gov, by mail, or by phone. Attach your supporting documents. Keep a copy of everything you send.

5. 5

   Respond to follow-ups and keep records

   The Division will forward your complaint to the insurer, which must respond. You may be asked for more information. Keep every letter and email — your file continues to grow until the matter is closed.

Colorado wants the complaint in your words. Here's how to prepare it that way.

The Division of Insurance expects complaints to come directly from the policyholder. This guide walks you through writing your own account of what happened first, so the finished document is prepared by you, as your own statement, start to finish.

Common questions