New Mexico, the enchanting country and home to the world's largest international hot air balloon festival, is the fifth largest state and has the lowest ratio of water to land in all states. It also experiences an average of seven to ten tornadoes per year. Most cause little property damage because they occur over uninhabited areas. 1
For residents of New Mexico, New Mexico is the Superintendent of Insurance, John Francini, and his staff willing to lend assistance if you believe your insurance company or its adjustments have acted improperly or abused your insurance claim. A relatively new independent agency (2013), the Insurance Inspectorate (OSI) is highly digitized. Complaints against insurance companies and adjusters can be submitted to OSI electronically on the OSI's website: www.osi.state.nm.us.
The online form allows you to provide a complete set of information to OSI regarding your complaint, including the identity of your insurance company and the persons concerned, policy number, application number, date of the damage and the disputed amount, and a general description of the basis of your complaint. You can upload copies of supporting documents electronically with your complaint or send them to OSI separately.
According to OSI's annual report for 2018, the agency closed 96 percent of "internal and external insurance-related complaints" within 180 days. 2
If you have experienced a significant loss of property, seek professional help independently of your insurance company. If you believe your insurance company or its adjusters have acted incorrectly, consider submitting a complaint to your state insurance company. In New Mexico, it is the Insurance Inspectorate.
1 New Mexico State University website (May 25, 2019), https://weather.nmsu.edu/climate/about.
2 2018 OSI annual report, p. 10.