On March 5, 2026, the Tennessee Department of Commerce & Insurance announced that $15.67 million was returned to Tennesseans in 2025 through the Department’s mediation and restitution efforts. Since 2020, TDCI says a total of over $80 million has been returned by Consumer Insurance Services, which mediates complaints between consumers and insurance companies.
The same release notes early-2026 complaint volume tied to Winter Storm Fern and lists practical purchasing tips, including that a standard homeowners policy will not cover flood repairs. This article restates those public figures. Informational only — no recovery, coverage, or eligibility promise.
Seasons change. So should your coverage. For a free policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group
How much did TDCI say was returned to Tennessee insurance consumers in 2025?
TDCI announced that $15.67 million was returned to Tennesseans in 2025 through mediation and restitution efforts.
| Item | TDCI figure |
|---|---|
| Release date | Thursday, March 5, 2026 | 10:55am |
| Returned in 2025 | $15.67 million |
| Returned since 2020 | Over $80 million |
| Complaints fielded in 2025 | 5,199 |
| Complaints so far in 2026 (as of release) | Over 940 (Fern-related uptick) |
| Top 2025 complaint types | Claim delays, claim denials, unsatisfactory settlement offers |
Source: TDCI consumer-return release, March 5, 2026.
How much has been returned since 2020, per TDCI?
TDCI said that since 2020, a total of over $80 million has been returned to Tennessee insurance consumers by TDCI’s Consumer Insurance Services team.
How many complaints did TDCI field in 2025?
TDCI said Consumer Insurance Services fielded a total of 5,199 complaints from consumers in 2025.
Why did TDCI say 2026 complaint volume was rising early in the year?
TDCI said that so far in 2026, over 940 complaints have been received — an uptick attributable to consumer complaints related to the devastation brought by Winter Storm Fern.
What were the top complaint types in 2025, per TDCI?
TDCI said the top complaints in 2025 were claim delays, claim denials, and unsatisfactory settlement offers.
Does a standard homeowners policy cover flood damage, per TDCI’s tips?
TDCI’s purchasing tips state a standard homeowners policy will not cover the costs of making repairs to a home caused by flooding. Only a flood insurance policy will cover damages caused by flooding.
Does this article promise a reader will recover money through a complaint?
No. It restates TDCI’s March 5, 2026 consumer-return figures and tips. It does not promise recovery, coverage, or eligibility for any reader.
How can a Tennessean contact TDCI Consumer Insurance Services?
TDCI lists 1-800-342-4029 or (615) 741-2218 and points consumers to file a complaint online. For a free local policy review, call All Seasons at 865-263-1400 or use asigtn.com/get-a-quote.
Seasons change. So should your coverage.
