Texas · Department of Insurance (TDI)
How to file an insurance complaint in Texas
If your property claim was denied or the offer does not match your documented damage, Texas gives you a formal way to be heard: a consumer complaint with the Department of Insurance. Filing is free, you do not need a lawyer, and the complaint comes from you.
The process, step by step
Gather your claim documents
Collect your insurance policy, the denial or underpayment letter, repair estimates, photos of the damage, and your written correspondence with the insurer. The Department will ask what happened and when — your documents answer that.
Write down your timeline
List the key dates: date of loss, when you filed the claim, the adjuster's inspection, and when you received the denial or offer. Note your claim number and the adjuster's name and contact information.
Write your own account of what happened
Describe the dispute factually and in your own words: what you claimed, what the insurer said, and what you are asking the Department to review. Stick to what your documents can support.
File with the Texas Department of Insurance
Submit your complaint through the TDI's online complaint portal at tdi.texas.gov, or by mail. Attach your supporting documents and keep copies of everything you send.
Respond to follow-ups and keep records
The Department forwards your complaint to the insurer, which must respond. Keep every letter and email you receive until the matter is closed — your file keeps growing.
Before you file: the five documents that make a complete file
- ☐ Your insurance policy
- ☐ The denial or underpayment letter
- ☐ Repair estimates
- ☐ Damage photos
- ☐ Your correspondence with the insurer
ClaimOtter organizes these into one case file, builds your timeline, and shows you a File Completeness Score so you know exactly what is missing — free.
Start your Texas case file — freeCommon questions
What does the Texas Department of Insurance do with my complaint?
The Department forwards your complaint to the insurer and requires a response. It reviews whether Texas insurance law and your policy terms were followed and tracks complaint patterns. It does not act as your lawyer, award damages, or order a specific settlement.
Does filing a complaint cost anything?
No. Filing a consumer complaint with the Texas Department of Insurance is free.
Do I need a lawyer to file a TDI complaint?
No. The process is designed for consumers, and the complaint comes from you. Whether to also talk to an attorney about your dispute is a separate decision that is entirely yours.
How does ClaimOtter fit in?
ClaimOtter helps you organize your documents, timeline, and your own written account into one complete case file, measured by a File Completeness Score. Every document is prepared by you — ClaimOtter is not a law firm and does not provide legal advice.
ClaimOtter is not a law firm and does not provide legal advice. This guide describes Texas's public complaint process for general informational purposes.