Approximately 85 percent of U.S. homeowners have home insurance policies, with millions of home insurance claims filed every year. The nation’s insurance industry is highly competitive, and the top 10 major players account for a whopping 62 percent of the market. State Farm is by far the largest homeowner’s insurance provider in the nation. According to an article by ValuePenguin, the company wrote $19.7 billion direct premiums in 2020, which is double the amount of Allstate, the nation’s second-largest insurer.

With millions of homeowner’s insurance claims filed every year, there are bound to be a sizable number of policyholders who aren’t satisfied with the way their claim was handled by their insurance company. And if your insurance company isn’t operating within state law or honoring their contract, you’re entitled to call them out on it. There are a number of options available for homeowners when it comes to filing a complaint against their insurance company, including filing a complaint with your state’s insurance commissioner or with your local public adjuster, K-Factor Advocates.


K-Factor Advocates is well-versed in state law and insurance regulations and more than capable of helping policyholders reach a solution with their insurance company. There are many advantages to hiring a public adjuster such as K-Factor Advocates to handle your insurance company complaint. As a small business, K-Factor will be able to give your case the attention it requires in order to reach a solution. Your state’s insurance department handles numerous insurance complaints every day, which undoubtedly makes it difficult to use a personable approach with each individual. That’s where K-Factor Advocates shines. Our team will keep you in the loop throughout the process, and you won’t just be a faceless client in a sea of paperwork.


Every state has an insurance department that is headed by the insurance commissioner, though the titles and roles vary a bit depending on the state. From choosing an insurance company to filing a complaint, the insurance commissioner provides an important public service to state residents. Montana State Auditor Troy Downing serves as Montana’s insurance commissioner. He was elected to the position in 2020, succeeding U.S. Representative for Montana Matt Rosendale. According to the Commissioner of Securities and Insurance Office of the Montana State Auditor’s website, Downing’s goal is to protect Montanans from fraud and scams related to insurance and investments.

Whether you file your complaint with K-Factor Advocates’ team of public adjusters or with your state’s insurance commissioner, don’t be hesitant to stand up against unfair business practices by your insurance company or individual agent. Insurance companies and those who work for them are required to abide by certain regulations and state law. Any violation should be reported, not only for your well-being, but for others who could be affected in the future.


K-Factor Advocates is a public adjusting firm that specializes in insurance claim negotiation, policy language and interpretation, and claims estimating. K-Factor’s team of public adjusters work on behalf of the policyholder. Coverage areas include Montana, Idaho, North Dakota, South Dakota, Wisconsin, Nebraska, Minnesota and Michigan.

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