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You are here: www.tdi.texas.gov . pubs . consumer . cb022

Texas Department of Insurance Working for You

(August 2016)

(En Español)

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

Licensing

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.

Financial Regulation

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.

Insurance Fraud

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.

Advertising

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.

Technical Analysis

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.

Helping Consumers

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.

Complaint Assistance

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:

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.

Disaster Response

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

General Information and Assistance

TDI main number 1-800-578-4677

Consumer Help Line (for general insurance questions or to report suspected insurance fraud) and Publications Order Line

1-800-252-3439
Speakers Bureau 512-676-6277
Open Records Fax: 512-490-1021, email: OpenRecords@tdi.texas.gov

Administration

Commissioner 512-676-6020
Commissioner’s Office, Ombudsman 512-676-6605
General Counsel 512-676-6586
Public Affairs 512-676-6591
Legal 512-676-6545
Government Relations 512-676-6605
Media Relations Office 512-676-6595
Communications 512-676-6593
Human Resources 1-800-578-4677

Filings Intake

Life/Health and HMO Filings 512-676-6888
Property and Casualty Filings 512-676-6700

Financial

Actuarial 512-676-6846
Market Conduct 512-676-6829
Registration (surplus lines, foreign RRGs, purchasing groups) 512-676-6396
Financial Analysis 512-676-6417
Financial Examinations 512-676-6835
Rehabilitation and Liquidation Oversight 512-676-6418

Inspections

Engineering 512-676-6763
Loss Control 512-676-6751
Windstorm 1-800-248-6032 
Fire Safety 512-676-6800
Amusement Rides 512-676-6751

Licensing and Examinations 

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
Examinations 512-676-6835


Life, Accident, and Health Insurance

Life, Accident, and Health Insurance 512-676-6673
Managed Care Quality Assurance Office 1-866-554-4926 

Property and Casualty Insurance

Personal and Commercial 512-676-6710
TexasSure Vehicle Insurance Verification 512-676-6695

State Fire Marshal's Office 

Main number 1-800-578-4677
Fire/Arson Investigations 512-676-6800
Arson Hotline (to report suspected arson) 1-877-4FIRE45 (434-7345)

Division of Workers' Compensation (DWC)

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,
workplace safety resource center, and safety training)

1-800-687-7080
Return-to-Work Program 512-804-4683
Classification and Premium Calculation 512-676-6681

Field offices (Abilene, Amarillo, Austin, Beaumont, Corpus Christi, 
Dallas, Denton , El Paso, Fort Worth, Houston East, Houston West, 
Laredo, Lubbock, Lufkin, Midland/Odessa, San Angelo, San Antonio, 
Tyler, Waco, and Weslaco

1-800-252-7031

Other Helpful Numbers 

2-1-1 Texas (to find local and state health and human services programs)

2-1-1
1-877-541-7905
www.211texas.org/about-2-1-1/

CHIP/Children's Medicaid 1-877-543-7669
chipmedicaid.org
Federal Emergency Management Agency 1-800-621-FEMA (3362)
fema.gov
Medicaid Hotline (Texas Health and Human Services Commission) 1-800-252-8263
hhs.texas.gov/services/health/medicaid-chip
Medicare 1-800-MEDICARE (633-4227)
medicare.gov
Office of Public Insurance Counsel  1-877-611-6742
opic.texas.gov
Office of Injured Employee Counsel  1-866-393-6432
oiec.texas.gov
Office of the Texas Attorney General Consumer Protection Hotline 1-800-621-0508
texasattorneygeneral.gov/
State Office of Administrative Hearings  512-475-4993
soah.texas.gov
Texas Automobile Insurance Plan Association  1-866-321-9154
taipa.org
Texas Windstorm Insurance Association  1-800-788-8247
twia.org
Texas FAIR Plan Association 1-800-979-6440
texasfairplan.org
Texas Commission on Fire Protection 512-936-3838
tcfp.texas.gov
Texas Department of State Health Services Licensing and Complaint Line (state mental health facility) 1-888-973-0022
dshs.state.tx.us
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
dads.state.tx.us
Texas Life and Health Insurance Guaranty Association 1-800-982-6362
txlifega.org
Texas Medical Board

1-800-201-9353
www.tmb.state.tx.us/page/consumer

Texas Property and Casualty Insurance Guaranty Association Customer Service Line

1-800-856-0298
tpciga.org

Texas Title Insurance Guaranty Association 512-480-5120
ttiga.org
U.S. Department of Veterans Affairs 1-877-222-8387
va.gov

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: 03/03/2017

Contact Information and Other Helpful Links