homeowners Complaint #CT-7084479-e0362586

Complaint Details

Insurer: American Security Insurance Company
Insurance Type: homeowners
Coverage Type: Homeowners
Reason: Coverage dispute
State: Connecticut
Date Filed: 2026-04-09
Disposition: Company Position Substantiated

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Insurer node: American Security Insurance Company
Product node: homeowners complaints for American Security Insurance Company
State/product node: homeowners complaints in Connecticut
State category node: homeowners complaints in Connecticut
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Complaint Summary

A disagreement arose between a policyholder in Connecticut and American Security Insurance Company regarding the scope of coverage under their homeowners insurance policy. The insurer's interpretation of policy terms differs from the consumer's understanding of what should be covered. Filed on 2026-04-09, this complaint seeks clarification and proper application of policy coverage. Status: Company Position Substantiated.

Risk Assessment

Risk Level: Low

This complaint involves a coverage dispute, which is typically a procedural or administrative issue. These matters are often resolved through direct communication with the insurer's customer service or complaints department. If initial efforts don't resolve the issue, escalating to a state DOI complaint is recommended.

What You Should Do

Coverage disputes often hinge on policy language interpretation. Request the specific policy provision the insurer is citing. Get an independent opinion on the coverage question. Many states have appraisal or mediation processes for disputed claims. Document the timeline of your claim and all communications.

Understanding Homeowners Insurance Coverage

Homeowners insurance provides coverage for your dwelling structure, personal property, liability protection, additional living expenses if your home becomes uninhabitable, and medical payments for guests injured on your property. Standard policies typically exclude flood and earthquake damage, which require separate coverage.

State Regulatory Information

Connecticut Insurance Department handles consumer complaints. File at portal.ct.gov/cid or call 1-800-203-3447.

Frequently Asked Questions

What should I do if American Security Insurance Company denies my homeowners insurance claim?

If your claim is denied, request a detailed written explanation citing the specific policy provision. Review your policy carefully, gather supporting documentation, and file a formal appeal within the deadline stated in your denial letter. You can also file a complaint with the Connecticut Department of Insurance for an independent review.

How do I file a complaint against American Security Insurance Company with my state insurance department?

Contact the Connecticut Department of Insurance through their website or consumer hotline. You will need your policy number, claim number, a description of the issue, and copies of relevant correspondence. Most states allow online complaint filing and will investigate within 30-60 days.

What is a homeowners insurance complaint ratio and what does it mean?

The complaint ratio (also called the NAIC Complaint Index) measures how many complaints an insurer receives relative to its market share. A ratio above 1.0 means the company receives more complaints than expected for its size. A ratio below 1.0 indicates fewer complaints than the industry average.

How long does American Security Insurance Company have to respond to my homeowners insurance claim?

Most states require insurers to acknowledge claims within 15 days and make a coverage decision within 30-45 days. Prompt payment laws vary by state — Connecticut has specific statutory timeframes. If these deadlines are missed, you may have grounds for a bad faith complaint.

Can I sue American Security Insurance Company for coverage dispute on my homeowners policy?

You may have legal options including filing a bad faith lawsuit if the insurer unreasonably denied, delayed, or underpaid your claim. Before litigation, exhaust the insurer's internal appeals process and file a complaint with your state DOI. Many attorneys offer free consultations for insurance disputes. Deadlines (statutes of limitation) vary by state.