The short answer
Start by asking the insurer for a written explanation that cites the policy language, deductible, valuation, part decision or authorization issue involved. Keep the claim number, policy, estimates, invoices, photographs, emails and notes of calls.
If the issue remains unresolved, the Arizona Department of Insurance and Financial Institutions accepts insurance consumer complaints and says it can investigate claim-handling delays, denials, unsatisfactory settlements, conflicting information and alleged producer misconduct. DIFI cannot act as your lawyer, award damages or decide disputed liability, and filing a complaint does not extend contractual or legal deadlines. If the concern involves pressure to use a particular glass company, note that Arizona's shop-choice statutes require insurers and third-party glass administrators to disclose the consumer's choice right, subject to the policy contract. Provide DIFI with specific records rather than only a summary of the disagreement.
