South Carolina: How to File a Property Insurance Complaint and Protect Your Rights

South Carolina Department of Insurance (SCDOI)

Purpose: Investigates complaints related to insurance companies and claim disputes, ensuring they comply with state and federal regulations.

Recognizing Unfair Insurance Practices

Not sure if you should file a complaint? Here are common signs your insurer may not be acting in good faith:

• Claim Denied: Your claim was rejected with no clear explanation.
• Delays: Your payout is taking too long, impacting your ability to repair your home.
• Underpayment: The payout amount is significantly less than your documented losses.
• Poor Communication: Your insurer isn’t responding or is giving unclear answers.
• Unfair Cancellations: Your policy was canceled or not renewed without good reason.
• Pressure to Settle: You’re being pushed to accept a low offer quickly.

Document Everything

Before filing a complaint, gather these:

• Emails, call logs, and letters from your insurer
• Photos and videos of the property damage
• Receipts or estimates for repairs
• A timeline of your claim process
• Witness names, if any

How to File an Insurance Complaint in South Carolina

You can submit a complaint to the South Carolina Department of Insurance online or by mail. Here’s how:

Hotline

Call: 803-737-6180│ Toll-Free: 1-800-768-3467
Mon – Fri 8:30 a.m. – 5:00 p.m.

Online Submission

Submit via the official form:
https://sbs.naic.org/solar-web/pages/public/onlineComplaintForm/onlineComplaintForm.jsf?state=SC&dswid=9853

Mail-In Form

Download and print the form: https://doi.sc.gov/DocumentCenter/View/14594/Consumer-Complaint-Form-PDF-

• Mail-In PDF
• Mail to:
  South Carolina
  Department of Insurance
  P.O. Box 100105
  Columbia, S.C. 29202-3105

Fax

Send your complaint by fax to: (803) 737-6231

Email

You can also send your complaint to: consumers@doi.sc.gov

Website

Visit: https://doi.sc.gov/8/Consumers

What Happens After You File?

The South Carolina Department of Insurance will:

• Review your documentation
• Investigate the insurer’s handling of your claim
• Contact your insurer and request a formal response
• Notify you of the outcome and any next steps

While the department cannot force payment, it can hold insurers accountable for unfair practices.

Types of Complaints They Handle:

• Denied, delayed, or underpaid claims
• Misleading policy information
• Unlawful policy cancellations
• Poor customer service or negligence
• Violations of state insurance regulations

What to Include in Your Complaint

Be prepared with:

• Your full name, contact info, and policy number
• Your insurer’s name and the adjuster’s contact
• A clear explanation of the issue
• Copies of supporting documents (photos, estimates, emails)

Still Having Trouble?

You may also wish to consult an attorney if:

• Your claim was wrongfully denied
• You’ve suffered significant financial harm
• The insurer is stalling with no end in sight

Legal help can support your claim while the department investigates.