Texas Department of Insurance Working for You
TDI Telephone Guide: General Information and Assistance | Administration | Filings Intake | Financial
Inspections | Licensing | Life, Accident, and Health Insurance | Property and Casualty Insurance | State Fire Marshal's Office | Division of Workers' Compensation (DWC) | Other Helpful Numbers
The Texas Department of Insurance protects insurance consumers by:
- regulating the industry fairly and diligently,
- promoting a stable and competitive market, and
- providing information that makes a difference.
This publication tells you about our services and has a list of helpful phone numbers. For more information or answers to general insurance questions, call our toll-free Consumer Help Line at 1-800-252-3439 or visit our website.
Regulating the Insurance Industry
Texas law requires most insurance companies and insurance-related businesses to have a license to sell their products or services. TDI licenses:
- insurance companies and agents,
- third-party administrators,
- health maintenance organizations (HMOs),
- premium finance companies,
- continuing care retirement communities,
- insurance adjusters, and
- public insurance adjusters.
Compliance and Enforcement
TDI also enforces Texas insurance laws and rules, investigates misconduct, and takes enforcement action against companies and agents.
TDI may fine agents and companies that delay claims payments, misrepresent policies, charge inappropriate rates, or commit other unlawful acts.
To ensure that insurance companies have money to pay claims and expenses, TDI looks at companies' financial conditions and enforces rules to make sure they stay financially stable.
TDI publishes company profiles that show a company's complaint record and other information, including the company's history and any enforcement actions TDI has taken against the company. For a company profile, call our Consumer Help Line or use the Company Lookup feature on our website.
TDI investigates insurance fraud and helps prosecute offenders. The most common types of fraud are selling insurance without a license, over-billing insurance companies, padding claims, or filing claims for losses that didn't happen.
To report suspected insurance fraud, call the Consumer Help Line.
TDI looks at insurance advertising to make sure they comply with laws and rules, to detect possible fraud, and to guard against misrepresentation. TDI can penalize insurance companies and agents who use unfair trade practices or deceptive advertising. Penalties include warnings, fines, and license revocations. In some cases, TDI may require companies to refund premiums to consumers.
TDI reviews rates companies file with TDI and provides information to help policymakers and consumers. We also review data to detect problem insurance companies.
Division of Workers' Compensation (DWC)
TDI regulates the state's system to pay medical and income benefits to workers who are injured at work or who have work-related illnesses. The division:
- licenses workers' compensation insurance companies and networks,
- approves companies that want to self-insure,
- enforces workers' compensation laws and rules,
- promotes worker health and safety,
- provides access to medical care for injured workers,
- administers a dispute resolution system for disputes involving workers' compensation benefits, and
- provides services to help injured workers return to work.
Consumer Help Line
TDI's toll-free Consumer Help Line assists callers with insurance questions and concerns. The help line is open Monday through Friday from 8 a.m. to 5 p.m., Central time.
TDI helps consumers recover millions of dollars in refunds and additional claim payments each year. If you have a complaint against an insurance company or agent, first notify your company. If you still aren't satisfied, you may formally complain to TDI. You may submit a written complaint in the following ways:
- on our website at www.tdi.texas.gov/consumer/complfrm.html
- by email at ConsumerProtection@tdi.texas.gov
- by fax at 512-490-1007
- by mail at
Texas Department of Insurance
Consumer Protection (111-1A)
P.O. Box 149091
Austin, TX 78714-9091
Workers' Compensation Medical & Income Benefit Dispute Resolution
DWC resolves disputes about workers' compensation benefits. Call DWC’s Customer Assistance Section at 1-800-252-7031.
Public Education and Publications
TDI gives presentations and produces free publications to help you better understand insurance. Visit our website to view our publications online or call our Consumer Help Line to have publications mailed to you.
TDI sends disaster response teams to affected areas after disasters. These teams provide information about insurance, help people file claims, and help with consumer complaints.
State Fire Marshal's Office
TDI helps protect lives and property against fire hazards. The State Fire Marshal's Office:
- conducts arson investigations;
- conducts fire safety inspections;
- collects and publishes data from fire departments;
- enforces fire extinguisher, sprinkler, and alarm laws;
- licenses and regulates fireworks; and
- educates children and consumers on fire prevention and safety.
To report suspected arson, call our Arson Hotline at 1-877-4Fire-45 (434-7345).
TDI Telephone Guide
|TDI main number||1-800-578-4677|
Consumer Help Line (for general insurance questions or to report suspected insurance fraud) and Publications Order Line
|Open Records||Fax: 512-490-1021, email: OpenRecords@tdi.texas.gov|
|Commissioner’s Office, Ombudsman||512-676-6605|
|Media Relations Office||512-676-6595|
|Life/Health and HMO Filings||512-676-6888|
|Property and Casualty Filings||512-676-6700|
|Registration (surplus lines, foreign RRGs, purchasing groups)||512-676-6396|
|Rehabilitation and Liquidation Oversight||512-676-6418|
|Agents and Adjuster Licensing Help Line||512-676-6500|
|Admitted Companies and HMOs||512-676-6383|
|Company Licensing & Registration Division||512-676-6376|
|State Fire Marshal||512-676-6807|
|Life, Accident, and Health Insurance||512-676-6673|
|Managed Care Quality Assurance Office||1-866-554-4926|
|Personal and Commercial||512-676-6710|
|TexasSure Vehicle Insurance Verification||512-676-6695|
|Arson Hotline (to report suspected arson)||1-877-4FIRE45 (434-7345)|
|Injured Employee Hotline and Claims and Customer Services||1-800-252-7031|
|Safety Violations Hotline (to report employer health and safety violations)||1-800-452-9595|
Workplace Safety (OSHCON, accident prevention services,
|Classification and Premium Calculation||512-676-6681|
Field offices (Abilene, Amarillo, Austin, Beaumont, Corpus Christi,
|2-1-1 Texas (to find local and state health and human services programs)||
|Federal Emergency Management Agency||1-800-621-FEMA (3362)
|Medicaid Hotline (Texas Health and Human Services Commission)||1-800-252-8263
|Office of Public Insurance Counsel||1-877-611-6742
|Office of Injured Employee Counsel||1-866-393-6432
|Office of the Texas Attorney General Consumer Protection Hotline||1-800-621-0508
|State Office of Administrative Hearings||512-475-4993
|Texas Automobile Insurance Plan Association||1-866-321-9154
|Texas Windstorm Insurance Association||1-800-788-8247
|Texas FAIR Plan Association||1-800-979-6440
|Texas Commission on Fire Protection||512-936-3838
|Texas Department of State Health Services Licensing and Complaint Line (state mental health facility)||1-888-973-0022
|Texas Department of Aging and Disability Service's Consumer Rights and Services Hotline (nursing homes, assisted living, care for people with mental retardation)||1-800-252-8154
|Texas Life and Health Insurance Guaranty Association||1-800-982-6362
|Texas Medical Board||
|Texas Property and Casualty Insurance Guaranty Association Customer Service Line||
|Texas Title Insurance Guaranty Association||512-480-5120
|U.S. Department of Veterans Affairs||1-877-222-8387
The information in this publication is current as of the revision date. Changes in laws and agency administrative rules made after the revision date may affect the content. View current information on our website. TDI distributes this publication for educational purposes only. This publication is not an endorsement by TDI of any service, product, or company.
For more information, contact:
Last updated: 02/10/2017