Texas · A complaint is not a second claim
Write the dispute down, then take it to TDI if the company still will not explain the payment.
Start with the insurer. A lot of “they will not pay” fights are a missed line on an estimate, or actual cash value paid first and replacement cost still waiting on repair invoices. That holdback is recoverable depreciation when the form says so. It is not a denial. Ask, in writing, what was paid, what was denied, and which policy sentence they used. Keep the date, the name, the photos, and the estimates. This is educational, not legal advice, and it does not change a claim.
The Texas Department of Insurance takes consumer complaints about insurers, agents, and adjusters. Use the process on tdi.texas.gov, attach copies, and say what you want looked at: a delay, a disputed estimate, or how an agent behaved. TDI can ask the company to respond and can look at whether a rule was broken. It is not your lawyer, and it does not pay the claim because you disagree with the number. A court, or the policy’s own dispute clause, is a different path. Deadlines are on the policy and in the statute that applies. This page does not invent one.
Complaint counts TDI publishes are not a ranking of who pays claims fairly. The home list is home insurers by complaint count. The auto list is auto insurers by complaint count. A carrier ending your policy is a different problem from a claim check: can they drop you and cancellations, nonrenewals, and lapses.
