The following is general information regarding insurance claims:
The Puerto Rico Insurance Industry is overseen by Puerto Rico’s Insurance Commissioner’s Office or the “Oficina del Comisionado de Seguros de Puerto Rico” (OCS). The office enforces Puerto Rico’s Insurance Code or “Código de Seguros” and its regulations thru an administrative process. The administrative processes are initiated by filing an investigation request – “invetigación” before the OCS or a complaint or “querella” click here, before the national Association of Insurance Commissioners.
If you file an investigation request, your case will be evaluated to determine if the OCS has jurisdiction or authority to hear your case, if so, you’ll receive a document evidencing receipt of your request and a case number. If not, you receive a notification denying your request and stating the reasons for the denial. It must be stressed, that some claims do not fall under the jurisdiction of the OCS.
An up to date summary of the OCS’s regulations can be found here. After finding the applicable regulation or regulations that apply to your instant case, visit the Puerto Rico’s State Department website, specifically its regulations registry page. On the regulations registry, use the drop down menu and select “Oficina del Comisionado de Seguros” and click “Buscar” or search. (**Note** For some reason, the search box does not work when you look for or enter a specific regulations word.) Therefore, only select the agency or “agencia”, in this case “Oficina del Comisionado de Seguros”. Once selected, a list of all current and repealed regulations will appear, look for the specific regulation that applies to your case.
Fore information regarding hurricane claims and property insurance, please visit here.
Filing a Request for Investigation
To request an investigation or to file a complaint you’ll need the following information
By mail to
Electronically by email:
email@example.com Include electronic copy of your form and supporting documents.
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Last updated on Feb 19, 2018
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