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How to Protect Yourself When Insurance Companies Won’t Come Through on Hurricane Damage Claims

When insurance payments are held up by an insurance company’s own bureaucracy, policyholders need to use every avenue available to them to seek a remedy. One remedy is for insureds and public adjusters to contact regulators to lodge formal complaints against insurance companies. Without these complaints being on file, there is nothing to stand in the way of insurance companies to continue conducting business in bad faith.

Policyholders deserve more from companies they put their trust in to protect them when they need it the most. That’s what you pay them for month after month and to essentially ignore and mistreat you in your time of need is reprehensible. You have a second remedy that you can place in your arsenal in your fight against your insurer. Hire an insurance claims attorney whose job is to stop the insurance company from working against you and live up to their contractual obligations. There are a significant number of victims who are still waiting for Hurricane Michael claims to be approved, paid out, or be paid in full. Is yours one of them?

Florida complaint filing procedure

The Florida Office of Insurance Regulation provides resources for policyholders to file complaints against Florida insurance companies online, by phone, or by email. While insurance companies have 20 days to respond to complaints by Florida law, investigation of your complaint may take 30 days to complete.

Filing your complaint online may be handled through the link at the bottom of this page. If at any time during the complaint submission process you require help, you may reach out to Insurance Assistance.

For any consumers who prefer to file their complaint by phone, you can do so by calling toll-free number 1-877-MY-FL-CFO (1-877-693-5236), or if you are filing your complaint from out of state, call (850) 413-3089. The complaint line may be reached Monday through Friday between 8:00 a.m. and 5:00 p.m.

Should you choose to file your complaint by email, submit all documentation to and include:

  • Company name and policy number
  • Your address (the address associated with your policy and the address at which you currently reside, if different), and telephone number(s)
  • Explanation of your complaint

Alabama complaint filing procedure

The Consumer Services Division of the Alabama Department of Insurance has an online claims system that policyholders can use to report insurance companies that fail to act in good faith under the law. If you have experienced delays in receiving a settlement offer and/or issuance of an insurance payment for Hurricane Michael damage, you may use the online form, or submit your complaint by U.S. Mail or fax.

Each method provides you with the opportunity to submit documentation with your complaint. If you intend to submit your complaint by mail, keep the originals of your documentation and mail copies with your form.

You can submit your complaint online and upload your documentation to your file here.

To file by mail, use this form to fill out your complaint form in Adobe PDF. You will need to print and mail your form along with copies of all documentation to:

Consumer Services Division

Alabama Department of Insurance

PO. Box 303351

Montgomery, AL 36130-3351

Finally, you can fax your complaint and documentation using the PDF form to: (334) 956-7932.

Louisiana complaint filing procedure

The Louisiana Department of Insurance works to protect you by enforcing state insurance laws and regulations. When these protections have been violated, policyholders have the right to file a complaint for claim delays, denials, and unsatisfactory settlements, among other issues. Detailed directions are provided on the Department of Insurance website for filing your complaint regardless of which filing method you use.

An online complaint form can be found here, along with a video explanation of how to file.

To return your complaint form by U.S. Mail, you may print out a paper complaint form or you may call 1-800- 259-5300 to request a paper copy of the complaint form be sent to you. Mail your completed complaint form and documentation to:

Louisiana Department of Insurance

P.O. Box 94214, Baton Rouge, LA 70804-9214

Again, ensure you retain the originals of all documentation that you send in paper format with your complaint form. The complaint investigation process in Louisiana takes approximately 45 days to complete, but you can check the status of your complaint online at any time.

Because departments of insurance are not permitted to provide legal advice to policyholders, it’s a good idea to secure an insurance claims attorney to represent your best interests and help you through the complaint and the claims process. An attorney who is well versed in insurance law will know where the claims process can take a negative turn and be able to combat those issues to protect your rights. Similarly, if the outcome of your complaint is unsatisfactory, you want the heavy hitting representation of Warhurst Law on your side. We know the appropriate steps to take to help you find closure through a fair insurance claim result. If you live in the Florida Panhandle, Alabama, or Louisiana, we invite you to reach out to us through our contact page or call our Mobile office at 251-207-1296 to schedule your free case evaluation.



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