Problems with your Pennsylvania homeowners insurance

It can be difficult to know what to do if you have a problem with your Pennsylvania homeowners insurance. The solution of course depends on the problem you are experiencing but there is help and advice available to you should you need it. In almost all cases the first step to take is to talk to your insurance company.

All reputable insurance companies will provide information to you about how to make a complaint and in the first instance you should follow their internal procedures where possible. Should discussion with customer services not solve the problem you might want to find out how to make a formal complaint to the Pennsylvania homeowners insurance company. At this stage it is essential to keep records of any communications you have with the insurance company.

Luckily, should all else fail the Pennsylvania Insurance Department are available to help you out. Their website ( contains a whole load of useful and impartial information for people who are having problems with the homeowners insurance company. This state department oversees many types of insurance including homeowners insurance and its role is to provide information and if required intervene in such situations. You can file your complaint via their online service or download a complaint form to complete and post to them if you prefer.

Unfortunately, as long as your homeowners insurance terms and conditions are legal and you have agreed to them you are bound by the terms specified. Even the Pennsylvania Insurance Department cannot force your insurance company’s hand if they are acting within the law. However, they will always try to mediate and resolve issues between you and your insurance company even when you have little legal recourse.

This is not said to discourage or dishearten you in any way. In fact, it is to urge you to take care in checking the cover, terms and conditions of your Pennsylvania homeowners insurance before you buy the product. For example, many problems could be avoided by simply ensuring that you get the correct levels and type of cover for your circumstances. If you are unsure of the level or type of cover you are buying then it is essential to ask the questions before it is too late.

It is very rare for there to be an issue with homeowners insurance and hopefully you will never need to make a claim on your insurance anyway but hopefully this information in this article will help you avoid any problems in the future.