For Consumers

How to file a 20-day Insurance Fair Conduct Act (IFCA) notice of potential lawsuit

Can I file suit at any time?

No. If you want to sue your insurance company under the Insurance Fair Conduct Act, you must provide written notice of your intent, and its basis to the insurance company and the Office of the Insurance Commissioner (OIC) 20 days before filing suit.

What should my completed 20-day notice to the OIC look like?

You can complete and submit the 20-day IFCA notification sheet (PDF, 259 KB) clearly indicating the basis for the lawsuit. This notification sheet is all that is required. Do not include additional supporting documents or any personal or confidential information such as medical records/information, Social Security numbers, banking information, driver's license information, etc.

What happens to my 20-day notice once it’s delivered to the OIC?

  • We date-stamp your notice with the received date.
  • We enter the details of the notice in our tracking log (PDF, 653 KB) which gets posted to our website once a week.

How long must I wait before I can file a lawsuit?

You must allow three business days for mailing, and an additional 20 days before filing your lawsuit.

How do I send my notice?

Use any of the following options, allowing three business days for it to reach the OIC and the insurance company:

  • Postal mail
  • Registered mail
  • Certified mail, with return receipt requested

Where do I send my notice?

To the insurance company

If you need the address for your insurance company, you can use our company lookup page to find it.

To the Office of the Insurance Commissioner

Office of the Insurance Commissioner
IFCA Claim Notification
Attn: Office Support Unit
P.O. Box 40255
Olympia, WA 98504-0255

All information provided becomes subject to public disclosure. Please do not include any personal or confidential information with your submission to the OIC.