Every state has a top insurance cop (regulator) whose job includes protecting consumers and making sure the insurance companies doing business in their state are financially strong enough to pay claims. Each has his/her own view on what "protecting consumers" means and how far they will go to police insurance sales and claims practices. Regulators generally won't/can't "adjudicate" disputes, but they can issue fines and orders. Most have websites, toll-free "hotlines" and consumer complaint handling units.
In the State by State Assistance section of our website you'll find a link to your state's top insurance cop, plus self-help claim tips and tips on hiring professional help.
Bottom line: If you have a problem related to insurance, file a formal complaint and seek help from the public official in charge. But don't expect a state insurance regulator's office to resolve a large dollar coverage/claim dispute in your favor or give you the same level of service you'll get from an experienced policyholder attorney or public adjuster.
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