The escalation door
Every stall story in this space has the same ending shape: months of hold music, then — shortly after a complaint lands on a regulator's desk — a written answer and movement. That is not coincidence. These plans are insurance-backed service contracts; the companies that run them must answer regulator complaints in writing, on the regulator's clock. Here are the doors, by state, and how a complaint is built.
| State | The door | Why it has jurisdiction |
|---|---|---|
| Texas | Department of Licensing and Regulation (TDLR) — tdlr.texas.gov, 800-803-9202 | Service contract providers and administrators are registered with TDLR; TDI routes these complaints there too. |
| Florida | Office of Insurance Regulation (OIR) | Florida licenses providers as Service Warranty Associations — the reason the Florida obligor is its own company (United Service Protection, Inc.). |
| Oklahoma | Insurance Department, consumer division | The provider is Assurant Service Protection, Inc.; the underwriter is an insurer. |
| Everywhere else | Your state insurance department (for the underwriter — Allstate Insurance Co. for Home Depot plans, American Bankers Insurance Co. of Florida for Lowe's) + your Attorney General's consumer-protection division (for the contract) | Insurance-backed contracts answer to both. |
A phone call produces a note in the administrator's own system, graded by the administrator. A regulator complaint produces a file the administrator must answer to the regulator, in writing, by a deadline — and the answer is usually written by a different desk than the one that stalled you. Class-action history rhymes with this: when these plans were litigated (Lowe's plans were sued over the manufacturer-overlap sale and sent to arbitration in 2021), the paper is what moved. Your complaint is the small, free version of the same lever.
Free consumer advocates (Elliott Advocacy is the best known) publish executive contacts that can be tried in parallel — contacts are free in this world, and this site will never sell them to you. What the kit sells is the complaint itself: the structure, the count presentation, and the chronology that makes a regulator file grade high.
Count your own case. The free checker takes your store, your plan date, your repair history, and your dates — and returns your lemon count, your live clocks, and the money the plan owes. Run the checker →
The pages above are the map. The kit is the paperwork: the repair log that proves the count, the script for your administrator, and the complaint pack for when the stall continues.
One payment, yours to keep. We never ask for your store or plan-portal password — you file everything yourself. See everything inside the kit →