Insurance # Water damage insurance, state by state Every state's insurance department, its complaint route, and the status of assignment-of-benefits law where we have verified it. Where we have not, we say so. 51 jurisdictions · 4 with AOB status verified against a primary source State Department Assignment of benefits [Alabama](https://waterdamagepapa.shop/insurance/alabama/) Alabama Department of Insurance Not independently verified [Alaska](https://waterdamagepapa.shop/insurance/alaska/) Alaska Division of Insurance Not independently verified [Arizona](https://waterdamagepapa.shop/insurance/arizona/) Arizona Department of Insurance and Financial Institutions Not independently verified [Arkansas](https://waterdamagepapa.shop/insurance/arkansas/) Arkansas Insurance Department Not independently verified [California](https://waterdamagepapa.shop/insurance/california/) California Department of Insurance Not independently verified [Colorado](https://waterdamagepapa.shop/insurance/colorado/) Colorado Division of Insurance Not independently verified [Connecticut](https://waterdamagepapa.shop/insurance/connecticut/) Connecticut Insurance Department Not independently verified [Delaware](https://waterdamagepapa.shop/insurance/delaware/) Delaware Department of Insurance Not independently verified [District of Columbia](https://waterdamagepapa.shop/insurance/district-of-columbia/) DC Department of Insurance Not independently verified [Florida](https://waterdamagepapa.shop/insurance/florida/) Florida Office of Insurance Regulation Restricted by state law [Georgia](https://waterdamagepapa.shop/insurance/georgia/) Georgia Office of Insurance and Safety Fire Commissioner Not independently verified [Hawaii](https://waterdamagepapa.shop/insurance/hawaii/) Hawaii Insurance Division Not independently verified [Idaho](https://waterdamagepapa.shop/insurance/idaho/) Idaho Department of Insurance Not independently verified [Illinois](https://waterdamagepapa.shop/insurance/illinois/) Illinois Department of Insurance Not independently verified [Indiana](https://waterdamagepapa.shop/insurance/indiana/) Indiana Department of Insurance Not independently verified [Iowa](https://waterdamagepapa.shop/insurance/iowa/) Iowa Insurance Division Not independently verified [Kansas](https://waterdamagepapa.shop/insurance/kansas/) Kansas Insurance Department Not independently verified [Kentucky](https://waterdamagepapa.shop/insurance/kentucky/) Kentucky Department of Insurance Not independently verified [Louisiana](https://waterdamagepapa.shop/insurance/louisiana/) Louisiana Department of Insurance Conditional — see note [Maine](https://waterdamagepapa.shop/insurance/maine/) Maine Bureau of Insurance Not independently verified [Maryland](https://waterdamagepapa.shop/insurance/maryland/) Maryland Insurance Administration Not independently verified [Massachusetts](https://waterdamagepapa.shop/insurance/massachusetts/) Massachusetts Division of Insurance Not independently verified [Michigan](https://waterdamagepapa.shop/insurance/michigan/) Michigan Department of Insurance and Financial Services Not independently verified [Minnesota](https://waterdamagepapa.shop/insurance/minnesota/) Minnesota Department of Commerce Not independently verified [Mississippi](https://waterdamagepapa.shop/insurance/mississippi/) Mississippi Insurance Department Not independently verified [Missouri](https://waterdamagepapa.shop/insurance/missouri/) Missouri Department of Commerce and Insurance Not independently verified [Montana](https://waterdamagepapa.shop/insurance/montana/) Montana Commissioner of Securities and Insurance Not independently verified [Nebraska](https://waterdamagepapa.shop/insurance/nebraska/) Nebraska Department of Insurance Not independently verified [Nevada](https://waterdamagepapa.shop/insurance/nevada/) Nevada Division of Insurance Not independently verified [New Hampshire](https://waterdamagepapa.shop/insurance/new-hampshire/) New Hampshire Insurance Department Not independently verified [New Jersey](https://waterdamagepapa.shop/insurance/new-jersey/) New Jersey Department of Banking and Insurance Not independently verified [New Mexico](https://waterdamagepapa.shop/insurance/new-mexico/) New Mexico Office of Superintendent of Insurance Not independently verified [New York](https://waterdamagepapa.shop/insurance/new-york/) New York Department of Financial Services Not independently verified [North Carolina](https://waterdamagepapa.shop/insurance/north-carolina/) North Carolina Department of Insurance Not independently verified [North Dakota](https://waterdamagepapa.shop/insurance/north-dakota/) North Dakota Insurance Department Not independently verified [Ohio](https://waterdamagepapa.shop/insurance/ohio/) Ohio Department of Insurance Not independently verified [Oklahoma](https://waterdamagepapa.shop/insurance/oklahoma/) Oklahoma Insurance Department Not independently verified [Oregon](https://waterdamagepapa.shop/insurance/oregon/) Oregon Division of Financial Regulation Conditional — see note [Pennsylvania](https://waterdamagepapa.shop/insurance/pennsylvania/) Pennsylvania Insurance Department Not independently verified [Rhode Island](https://waterdamagepapa.shop/insurance/rhode-island/) Rhode Island Department of Business Regulation Not independently verified [South Carolina](https://waterdamagepapa.shop/insurance/south-carolina/) South Carolina Department of Insurance Not independently verified [South Dakota](https://waterdamagepapa.shop/insurance/south-dakota/) South Dakota Division of Insurance Not independently verified [Tennessee](https://waterdamagepapa.shop/insurance/tennessee/) Tennessee Department of Commerce and Insurance Not independently verified [Texas](https://waterdamagepapa.shop/insurance/texas/) Texas Department of Insurance Conditional — see note [Utah](https://waterdamagepapa.shop/insurance/utah/) Utah Insurance Department Not independently verified [Vermont](https://waterdamagepapa.shop/insurance/vermont/) Vermont Department of Financial Regulation Not independently verified [Virginia](https://waterdamagepapa.shop/insurance/virginia/) Virginia State Corporation Commission Not independently verified [Washington](https://waterdamagepapa.shop/insurance/washington/) Washington Office of the Insurance Commissioner Not independently verified [West Virginia](https://waterdamagepapa.shop/insurance/west-virginia/) West Virginia Offices of the Insurance Commissioner Not independently verified [Wisconsin](https://waterdamagepapa.shop/insurance/wisconsin/) Wisconsin Office of the Commissioner of Insurance Not independently verified [Wyoming](https://waterdamagepapa.shop/insurance/wyoming/) Wyoming Department of Insurance Not independently verified ## How to read this table The assignment-of-benefits column is populated only where we verified the state's law against a primary source. "Not verified" does not mean there is no law — it means we have not yet confirmed it, and we would rather say so than guess. On an insurance page, a verified department contact is worth more than an invented deadline. ## How a department complaint works When an insurer denies, delays or underpays a claim and you disagree, your state insurance department is the formal route — and it is free. You file a complaint, the department asks the insurer to respond in writing, and that response becomes part of a record the regulator can review. It is not a lawsuit and you do not need a lawyer. What makes a complaint effective is documentation. Attach the claim number, the denial letter with the policy language cited, your photographs and receipts, and any drying log or moisture readings. A complaint that says "I was treated unfairly" carries little weight; one that shows a reading above the dry standard on the last billed day, or a denial citing an exclusion that does not fit the facts, carries a great deal. ## Methodology Each department name and website comes from the National Association of Insurance Commissioners (NAIC) directory — the national body that convenes all 50 state regulators — and from each department's own official site. The assignment-of-benefits column is filled only where we confirmed the state's law against a primary source — the state legislature or the department itself — and those entries are recorded in our regulatory sourcing log with their date. We are verifying the rest state by state, a few at a time. A column with an honest "not verified" cell is more useful than one full of guesses, especially here, where a wrong rule about what you can sign can cost you the claim. This table is published as an open dataset under CC BY 4.0. Rules vary by stateInsurance regulation, assignment-of-benefits rules, mold requirements, and licensing are set by state. This page reflects the NAIC directory and each named state department as of 2026-08-17. Verify with your state insurance department. General information, not insurance, legal, or medical advice. Your policy governs your claim, and no page can assess your specific loss. By The Water Damage Papa editorial team Last reviewed: 2026-08-17