Insurance claim delayed or denied in California? How to ask for help

Start with the insurer, in writing

For an active loss, report it and ask questions directly to your insurer or the agency that handles your policy. INSUREDLA does not report claims or contact insurers for you. Ask for the claim number, the adjuster's name and contact information, and what the insurer still needs from you.

• Keep a dated log of calls, emails, and letters.
• Ask the insurer to explain any denial or delay in writing, including the policy language it relies on.
• Keep copies of photos, estimates, receipts, and anything you submit.
• Do not cancel existing coverage while a claim or dispute is open without first confirming the consequences with a licensed professional.

When to contact the California Department of Insurance

The California Department of Insurance (CDI) says time-sensitive questions can go to its Consumer Hotline at 800-927-4357 (TTY 800-482-4833). To file a complaint, CDI asks consumers to complete a Request for Assistance, which can be submitted through its online Consumer Complaint Center or on a paper form. CDI notes that paper forms may slow the process.

CDI can review how an insurer handled a matter, but it does not act as your attorney. For a large or complex dispute, consider a licensed public adjuster or an attorney, and ask about their fees and agreement in writing before hiring.

Prepare before the next policy decision

A claim can affect future renewals and shopping. When the claim is resolved, an organized record of what happened, what was repaired, and what was paid makes a later conversation with a licensed professional more productive.