Justified Complaint (Home Insurance)

A justified complaint is a fair complaint. Like, "I realize the ER is busy tonight, but if I don't get this arm sewn back on soon, I'm going to be in trouble."

Trying to save money, you buy a homeowners' insurance policy from Night Flyers Backroom Insurance Providers and Trampoline Emporium. Now that you've been working with them for a while, you're starting to question some of their business practices. Like only holding meetings in parking garages. Or sneaking addendums like "not!" and "good luck collecting, though" into the footnotes of its contracts.

So...you file a complaint with your state's insurance regulator. The regulator will then review the complaint. It becomes "justified" if the insurance company violated insurance rules.

The term "justified complaint" comes up in regulation, as these are violations are tallied up and used to rate insurance companies (Night Flyers, unsurprisingly, has a terrible rating). The justified complaints are also published, in order to make the information public.