Texas insurance complaint and appeal help
Texas Department of Insurance. Use this page to find where to file an insurance complaint in Texas.
- Complaint page: https://www.tdi.texas.gov/consumer/get-help-with-an-insurance-complaint.html
- Department website: https://www.tdi.texas.gov/
- Last verified: October 17, 2026. Link check on 2026-10-17: HTTP 200 and the page mentions "complaint".
External review
Insurers in this state use the federal external review process (HHS-administered or private accredited reviewers). Your final denial notice tells you which.
TDI says it cannot make a company pay a claim unless the failure to pay violates a law or the policy, and cannot settle disputes about the facts.
Before you file
- Appeal to the insurer first and keep copies; a complaint does not stop appeal or lawsuit deadlines.
- Check whether your plan is state-regulated: self-funded employer plans are usually outside state jurisdiction.
- Use the complaint summary letter to organize your answers, then use the department's own form.
Sources
- NAIC: Insurance Departments (state directory), last verified 2026-10-17
- KFF: State External Appeals Review Processes, last verified 2026-10-17
- CMS: Coverage Appeals Job Aid, last verified 2026-10-17
- Texas DOI: How to get help with a homeowners or renters insurance complaint, last verified 2026-10-17
Page last reviewed October 17, 2026. Rules change; confirm with your notice, plan documents or the agency pages above.