Detailed Answer

If your insurance company is not giving you updates or is threatening to close your claim, follow a clear, documented process to protect your interests and, if needed, escalate the matter to the New Hampshire Insurance Department or an attorney. Below is a step‑by‑step approach that walks a person with no legal background through what to do and why it matters.

1. Stay calm and start documenting immediately

Write down each contact with the insurer: date, time, person you spoke with, what was said, and any reference or claim number. Save every email, letter, text message, repair estimate, photos, medical bills, and any other file that relates to the claim. Good documentation is essential if you later file a complaint or seek legal help.

2. Request a written status update

Ask the insurer for a written statement of the claim status and the reason for any threatened closure. Use email or certified mail so you have a record. A short, clear request helps preserve your position. Example request elements:

• Claim number and date of loss.
• Request for the current status and outstanding items the insurer needs to proceed.
• Request for a timeline for their next action (e.g., 10 business days).

3. Understand common reasons insurers threaten closure

Insurers may claim closure for reasons such as incomplete information, missed deadlines, no-proof-of-loss, duplicate claims, or their internal file showing no recoverable coverage. Sometimes an insurer will close a claim administratively after repeated unsuccessful attempts to reach a claimant. Knowing the reason will determine your next step.

4. Respond promptly and supply any requested information

If the insurer identifies missing documents or asks follow‑up questions, provide the requested items promptly and keep proof you sent them. If you dispute the insurer’s characterization (for example, you already provided documents), attach evidence showing when you provided those items.

5. Send a clear demand letter if the insurer is slow or unresponsive

When status requests fail, send a short demand letter by certified mail with return receipt. State the claim number, summarize what you already provided, ask for a written response by a specific date (for example, 10–14 days), and warn that you will contact the New Hampshire Insurance Department if the insurer does not respond. Keep a copy of that letter and the receipt.

6. File a complaint with the New Hampshire Insurance Department

If you don’t get a reasonable response after written requests, file a consumer complaint with the New Hampshire Insurance Department. The Department can investigate improper claim handling and can often obtain a faster response from insurers. File online or by mail; include copies (not originals) of your documentation and your demand letter. For general information and how to file, see the Insurance Department’s consumer complaint page: https://www.nh.gov/insurance/consumers/complaints.htm.

7. Know that New Hampshire regulates unfair claim practices

Insurers in New Hampshire operate under state insurance laws and the New Hampshire Department of Insurance supervises them. The New Hampshire Revised Statutes Annotated include provisions governing insurers and their conduct. You can review the state insurance statutes at the New Hampshire RSA pages for the insurance chapter: RSA Chapter 417 (Insurance). If an insurer’s conduct looks like an unfair claim settlement practice, the Department may act on your complaint.

8. Consider appraisal, independent examination, or legal counsel when appropriate

Depending on the policy type (homeowners, auto, etc.) the policy may include an appraisal clause or other alternative dispute procedures. If the insurer threatens closure while you have outstanding coverage issues or disputes about the amount owed, appraisal or independent review might help. If the insurer’s conduct suggests bad faith, or if the claim amount is substantial and unresolved, consider contacting a licensed attorney. An attorney can advise on extra‑contractual remedies and can send a demand that often reopens communications.

9. Keep escalation options in mind

• Continue polite written follow‑up with the insurer.
• File a complaint with the New Hampshire Insurance Department: https://www.nh.gov/insurance/consumers/complaints.htm.
• Ask the Department about mediation or investigation of unfair practices.
• Speak with a licensed New Hampshire attorney if you suspect bad faith or large damages; an attorney can explain whether lawsuit or other remedies make sense.

10. Practical examples (hypothetical)

Example A — You submitted a homeowners claim after a storm. The adjuster stopped returning calls and the insurer says it will close the claim for inactivity. Action: Send a certified letter summarizing submissions (photos, receipts), request written status within 10 business days, and file a complaint with NH Insurance Department if no response.

Example B — An auto claim is marked closed because the insurer says you did not sign a proof of loss, but you have a dated copy showing you signed. Action: Send the dated copy by certified mail, demand a re‑opening, and notify the insurer you will complain to the Department if they do not correct the record.

Helpful Hints

• Document everything — dates, names, and copies. Documentation is your best protection.
• Prefer written communications (email or certified mail) to record your requests and the insurer’s replies.
• Ask for a written explanation every time the insurer threatens to close the claim.
• Keep copies of medical bills, repair estimates, photos, police reports, and any third‑party communications related to the loss.
• If you disagree with a coverage denial or closure, do not accept a final closing without getting that denial in writing and reviewing your policy or talking with an attorney.
• Use the New Hampshire Insurance Department as a resource: https://www.nh.gov/insurance/consumers/.
• Time matters — respond quickly to requests and keep follow‑up deadlines in writing.
• If you contact an attorney, choose someone licensed in New Hampshire and experienced in insurance claims; many offer a short initial consultation.

Disclaimer: This article explains general information about dealing with insurance claim communication problems under New Hampshire law. It is not legal advice. For advice about your specific situation, consult a licensed New Hampshire attorney or contact the New Hampshire Insurance Department.