Before you File

  • If you are a consumer, or are acting on behalf of a consumer, and you have a complaint about the actions of insurance companies, insurance producers (agents), entities handling insurers’ products, or entities providing services to insurers, please read the Complaint Guidance and then complete the form below and submit it for Iowa Insurance Division review.
  • Contact the person or company about whom you have a complaint against and request an explanation in writing.
  • Check to be sure the person or company about whom you have a complaint is regulated by the Iowa Insurance Division by checking here.
  • Make sure you have all supporting documentation.
  • Be prepared to clearly summarize your complaint, so people who are not familiar with your issue will be able to understand.
  • Be prepared to communicate what you would consider to be a fair resolution.

Ready to File

  • File a Consumer Complaint Online.  A Spanish version is also available.
  • You can submit supporting documentation by attaching it electronically at the end of your Consumer Complaint online. 
    • Alternatively, you can print out the Consumer Complaint and submit it and your supporting documentation by email, U.S. mail or fax.
      • Supporting documents are important.  Attach a photocopy of all documents, including letters, contracts, bills, checks (both sides) and other papers related to your complaint.
      • DO NOT send originals; we may not be able to return them.

Note: when filing the complaint –  mark the “Other” box under the “Type of Insurance” if the complaint is not pertaining to insurance, such as securities, sale of cemetery merchandise, funeral merchandise or funeral services, residential service contracts, motor vehicle service contracts, retirement facilities, long-term care, external review, etc.

After you File

  • Within two weeks of filing, the Division will send you an acknowledgement letter stating your file number and the name of the investigator assigned to investigate your complaint.
  • The Division will send a copy of your complaint to the party your complaint was against and ask for an explanation of the party’s position.
  • Your investigator will review all responses received to assure the problem has been properly addressed.  This may result in more communication between the investigator and the appropriate parties.
  • Your investigator will send you a letter with the investigation results.*
    • If no evidence of a violation is found, the investigator will contact you and explain why the investigation is being closed.
    • If the investigator is unable to resolve the complaint, the investigator will try to provide you with information that will help you make an informed decision regarding the next step.
    • If your investigator is not satisfied with the appropriate party’s response, the investigation will continue.

*Generally, the complaint process takes approximately 45-60 working days to complete.  If your complaint requires more time, we will notify you.