Spinnaker Insurance Company — Insurance Complaint Report

Spinnaker Insurance Company: 0.56 complaint index from public DOI data

Key Metrics

Total Complaints: 263
NAIC Complaint Ratio: 0.56
AI Risk Score: 50/100
Most Recent Complaint: 2026-04-23

Decision Cockpit: What to Inspect Next

This hub uses recent real complaint records for Spinnaker Insurance Company to expose practical next paths: state hotspots, product lines, recurring issues, regulator context, and shopping checks.

Recent source records sampled: 50
Risk score: 50/100
Primary state spoke: Spinnaker Insurance Company complaints in Texas
Primary product spoke: Spinnaker Insurance Company homeowners complaints
State/product drilldown: homeowners complaints in Texas
Shopping check: Cross-check financial strength and reviews
Local map utility: Find local agents on Google Maps

State Hotspots

Texas — 47 recent records
Connecticut — 3 recent records

Product Lines

homeowners — 41 recent records
renters — 9 recent records

Recurring Issue Signals

Delayed payment — 32 recent records
Claim denial — 11 recent records
Premium or billing dispute — 2 recent records
Cust Srvc Policy Holder Srvcs | Company Position Upheld; Contract Language/Legal Issue; Information Furnished — 1 recent records
Unsatisfactory Settle/Offer | Information Furnished; Contract Language/Legal Issue; Company Position Upheld — 1 recent records

Source and Coverage Transparency

This page is built from public state Department of Insurance datasets currently loaded for Texas, Connecticut, and New York auto complaint rankings. Counts reflect available source records, not every insurance complaint in every state.

Texas Department of Insurance complaints
Connecticut Insurance Department complaints
Texas TDI complaint indexes and policy counts
States represented in this profile: TX, CT
Product lines represented: 5
Complaint record span: 2018-10-08 to 2026-04-23
Profile last rebuilt: 2026-05-19T15:07:10.296Z

AI Insurer Analysis

Spinnaker Insurance Company has 263 public insurance complaint records in this dataset, led by TX and homeowners coverage.

Risk Breakdown

categories: [object Object],[object Object],[object Object],[object Object],[object Object]
complaintRatio: 0.56
confirmedComplaints: 55
dispositions: [object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
complaintVolume: 263
states: [object Object],[object Object]

Green Flags

Complaint index below average in Texas TDI policy-count data (0.56).

Consumer Tips

Compare complaint volume, complaint reasons, dispositions, and state DOI guidance before choosing or renewing insurance coverage.

Trend Analysis

Public complaint records currently span 2018-10-08 through 2026-04-23.

Recent Complaints Against Spinnaker Insurance Company

renters Complaint #TX-454460-8019b1d5 — Texas (2026-04-23)
homeowners Complaint #TX-453470-381cf6ee — Texas (2026-04-14)
renters Complaint #TX-453385-769a489b — Texas (2026-04-13)
homeowners Complaint #TX-452705-381cf6ee — Texas (2026-04-06)
renters Complaint #TX-451179-769a489b — Texas (2026-03-24)
homeowners Complaint #TX-450860-5e38c234 — Texas (2026-03-20)
homeowners Complaint #TX-450361-769a489b — Texas (2026-03-16)
homeowners Complaint #TX-446962-5320778e — Texas (2026-02-09)
homeowners Complaint #TX-446560-381cf6ee — Texas (2026-02-03)
renters Complaint #TX-443859-381cf6ee — Texas (2026-01-06)