About

Reach A Regulator exists because of a claim that should have been simple and wasn't.

The claim

I had a travel insurance policy bought through Airbnb, underwritten by Generali. When I had a claim, I couldn't get them to send me a copy of the policy, and I couldn't find a working way to submit the claim itself. Not a denial — just nothing. Forms that went nowhere, queues that didn't answer.

The contract routed disputes to arbitration. For the amount at stake that was effectively a closed door, which is generally the point of putting it there.

So I filed a complaint with the Oregon Division of Financial Regulation, which licenses insurers doing business in the state. It cost nothing and took about fifteen minutes. Generali responded. The claim was paid in full.

The part that bothered me

Nothing about that was difficult once I knew where to file. The only real obstacle was knowing that the Division of Financial Regulation existed, and that it had authority over an insurance company I'd encountered through a vacation rental website.

Almost nobody knows that. Not because it's secret — every agency publishes its complaint form — but because there are fifty states, a dozen federal agencies, and no obvious place to start. So people give up, which is exactly what the design of the system predicts.

What we're trying to do

Make the gap between "I have a problem" and "my complaint is filed with the right agency" as short as possible. Two questions and a link. No account, no fee, nothing to install.

The target user here is someone fighting over less than a few hundred dollars — the disputes that get abandoned because the effort feels bigger than the money. That's a deliberate choice. Large claims already have lawyers. Small ones have nobody, and they're the ones companies are quietly counting on you to drop.

There's a collective effect too. Regulators look for patterns, and a pattern is made of individual complaints. But we're not going to guilt you about civic duty — file because you want your money back. The rest follows.

How we handle the information we publish

Every agency listed here — the name, the complaint link, the phone number — is checked by a person before it goes live. If a state and category haven't been checked yet, we don't publish a guess; we show the offices we have confirmed instead. Agencies do reorganize and move their forms, so if you hit a broken link, please tell us.

We're independent and not affiliated with any government agency. The site is free, there's no paywall, and we don't sell your information.

Get in touch

Broken link, wrong agency, or a complaint that worked out? We'd genuinely like to hear about it — outcomes are how we show other people this is worth doing. Email hello@reacharegulator.com.