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Denial Decoder

State regulators directory

Where to file complaints when a company won’t budge. Home warranty companies are regulated as service-contract providers in most states — your insurance commissioner or service-contract regulator handles complaints.

National / federal

These apply in every state — file here in addition to your state regulator.

Federal Trade Commission

Report fraud to the FTC

Better Business Bureau

File a BBB complaint

Links are provided for convenience — verify complaint procedures on the regulator’s site before filing. Something missing or outdated? Let us know and we’ll update the directory.