Policyholder Rights and Claim-Handling Resources by State

Know your rights. Access the resources you need. We’re here to help you navigate the claims process with confidence.

What is a Public Insurance Adjuster?

A public insurance adjuster is a licensed professional who represents policyholders—not insurance companies—during property damage claims. They work for you to assess your loss, review your policy, and negotiate a fair settlement.

What rights may a policyholder have?

Policyholders may have rights to fair treatment, clear communication, timely claim handling, policy review, privacy, proper investigations, dispute filing, and fair settlements, depending on state laws and insurance regulations.

National Insurance Resources

NAIC

National Association of Insurance Commissioners

www.naic.org

NCOIL

National Conference of Insurance Legislators

www.ncoil.org

CFPB

Consumer Financial Protection Bureau

www.consumerfinance.gov

FEMA

Federal Emergency Management Agency

www.fema.gov

State-by-State Resources

State

Official insurance department

Official statute/code source

Alabama

AL DOI

Code of Alabama

Alaska

AK DOI

Alaska Statutes

Arizona

AZ DIFI

Arizona Legislature

Arkansas

AR Insurance Department

Arkansas Code

California

CA Department of Insurance

California Legislative Information

Colorado

CO Division of Insurance

Colorado Revised Statutes

Connecticut

CT Insurance Department

Connecticut General Statutes

Delaware

DE Department of Insurance

Delaware Code

Florida

FL Office of Insurance Regulation

Florida Statutes

Georgia

GA Office of Commissioner of Insurance

Georgia Code

Hawaii

HI Insurance Division

Hawaii Revised Statutes

Idaho

ID Department of Insurance

Idaho Statutes

Illinois

IL Department of Insurance

Illinois Compiled Statutes

Indiana

IN Department of Insurance

Indiana Code

Iowa

IA Insurance Division

Iowa Code

Kansas

KS Insurance Department

Kansas Statutes

Kentucky

KY Department of Insurance

Kentucky Revised Statutes

Louisiana

LA Department of Insurance

Louisiana Laws

Maine

ME Bureau of Insurance

Maine Legislature

Maryland

MD Insurance Administration

Maryland Code

Massachusetts

MA Division of Insurance

Massachusetts General Laws

Michigan

MI DIFS

Michigan Legislature

Minnesota

MN Department of Commerce

Minnesota Statutes

Mississippi

MS Insurance Department

Mississippi Code

Missouri

MO Department of Commerce & Insurance

Missouri Revisor

Montana

MT State Auditor / Insurance

Montana Code Annotated

Nebraska

NE Department of Insurance

Nebraska Legislature

Nevada

NV Division of Insurance

Nevada Revised Statutes

New Hampshire

NH Insurance Department

New Hampshire General Court

New Jersey

NJ Department of Banking & Insurance

New Jersey Legislature

New Mexico

NM Office of Superintendent of Insurance

New Mexico Statutes

New York

NY Department of Financial Services

New York Laws

North Carolina

NC Department of Insurance

North Carolina General Statutes

North Dakota

ND Insurance Department

North Dakota Century Code

Ohio

OH Department of Insurance

Ohio Revised Code

Oklahoma

OK Insurance Department

Oklahoma Statutes

Oregon

OR Division of Financial Regulation

Oregon Revised Statutes

Pennsylvania

PA Insurance Department

Pennsylvania Consolidated Statutes

Rhode Island

RI Department of Business Regulation

Rhode Island General Laws

South Carolina

SC Department of Insurance

South Carolina Code of Laws

South Dakota

SD Division of Insurance

South Dakota Codified Laws

Tennessee

TN Department of Commerce & Insurance

Tennessee Code

Texas

TX Department of Insurance

Texas Insurance Code

Utah

UT Insurance Department

Utah Code

Vermont

VT Department of Financial Regulation

Vermont Statutes

Virginia

VA Bureau of Insurance

Virginia Law

Washington

WA Office of the Insurance Commissioner

Revised Code of Washington

West Virginia

WV Offices of the Insurance Commissioner

West Virginia Code

Wisconsin

WI Office of the Commissioner of Insurance

Wisconsin Statutes

Wyoming

WY Department of Insurance

Wyoming Statutes

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