The Iowa Insurance Division (IID) "oversees all insurance activities conducted in the State of Iowa." 1 It does this by investigating consumer complaints against insurance companies, agents and adjusters to ensure compliance with Indiana state law has been delayed, incorrectly denied, intentionally underpaid or otherwise mishandled, you can file a complaint to IID and request an investigation of the case.
To file a complaint, visit the department's website and select "Submit a Complaint" under the "Consumers" tab. You can file a complaint online or download a printable form to send an email to IID at 1963 Bell Avenue, Suite 1
The complaint requests your contact information, the name of the insurance company, agency or agent concerned and applicable policy or requirement number. It then asks about the reason for your complaint (ie delay in claim, agent handling or an unsatisfactory offer.) Once you have selected a reason from the list, you have room to describe the details of your complaint in full. This is where you can tell the department what the issue is, why you think it should investigate and what you want your insurance company to do to solve the problem.
Within two weeks of submitting your complaint, the division will send a letter confirming it and outlining the rest of the complaint. An investigator will forward your complaint to the applicable insurance company, adjuster or agent. The company is required by law to explain its position or practice. After the investigator receives the company's response, she examines it to determine if there has been a violation of state laws, ordinances or your specific policy. The representative will then reach out to you with an explanation of his determination and to discuss possible solutions. The whole process takes from forty-five to sixty days.
IID may not provide legal advice, act as your attorney or order an insurance company to pay you. Its main task is to investigate, answer your questions and apply state insurance laws. If you have questions about the complaint process or want to know if the IID Insurance Department can help you, you can call (515) 654-6600.
Navigating your insurance claim or insurance can be frustrating and confusing. IID is there to answer your questions, advocate for your rights and ensure that insurance companies follow the rules. If you have any other questions or concerns about your insurance claim, do not hesitate to contact Merlin Law Group for a free evaluation of cases. . /iid.iowa.gov/about-us.phia19659010]