If you feel you have been wronged by an insurance company or its personnel, you can file a complaint with the State of Wisconsin Office of the Commissioner of Insurance (OCI). You can obtain complaint forms at http://oci.wi.gov/com_form.htm. You can also get complaint forms by calling OCI at 1-800-236-8517 or by writing to OCI at 125 South Webster Street, P.O. Box 7873, Madison, WI 53707-7873.
You should know that OCI rarely orders any company to pay a claim, even when the company is clearly wrong in denying a particular claim. Why? OCI has a big job and a limited number of staff. OCI is charged with, among other things, the responsibility of regulating the insurance companies that do business in the State of Wisconsin.
Nonetheless, it still may be worthwhile to file a complaint with OCI. Filing a complaint means that the insurance company will be required to respond. In a small number of cases OCI will seek further information from the insurance company. This may be helpful to you.
In many cases, the insurance company will offer an explanation (excuse) for its behavior. Often, OCI will accept that excuse and not take any further action. If you truly believe the insurance company has behaved inappropriately, you may want to consult an attorney with experience handling insurance disputes.