Insurance is regulated by individual states.
When you have a dispute related to any type of insurance you can reach out the Department of Insurance of your state.
Here is what you need to know about the help you can get from your state agency.
The division may also be called Bureau of Insurance or Insurance Commissioner in some states.
Most of the state insurance commissioners operate consumer protection section.
Most of them now have online presence.
The primary responsibility of these consumer protection groups is to handle the complaints and general queries from the consumers across their state.
Typically, the insurance commissioner has jurisdiction over all types of insurance products.
These include home, auto, health, disability, workers comp.
They also regulate Insurance Producers (Agents), Casualty Adjusters, Certified Insurance Consultants, Fraternal Agents, Motor Vehicle Physical Damage Appraisers, Public Adjusters, Reinsurance Intermediaries, and Surplus Line Brokers.
The website will show what the commissioner's office can do for you.
Typically they can

• Thoroughly investigate your complaint
• Help you get a clear response to your questions
• Cut through red tape of the insurance company
• Correct misunderstandings

The focus is to make sure the insurance company or any other party you complain about are properly licensed in the state, has maintained the necessary filings and has followed the process in dealing with your problem.
Most importantly they cannot help you in the areas of critical interest to you.
For example they cannot establish the amount of money your insurer needs to pay you.
These omissions are serious enough to warrant another posting by themselves.
Also remember that you are dealing with a government agency which has its own bureaucracy to support.
There are many services on web that offer help to make insurance complaints.
ReClaims Inc offers free "5 minute home insurance complaint builder" at http://reclaimsinc.
com/5-minute-home-insurance-complaint-builder.