Insurance Claim Delay

Is your Insurance Claim Being Delayed?

According to the National Association of Insurance Commissioners or NAIC the #1 reason for consumer complaints against insurance carriers is “Claim Handling – Delays”.

They actually broke it down and show that year after year Insurance Claim Delays account for approximately 25% of all consumer complaints.  This is not a surprise to us as Florida Public Adjusters.  As Licensed Public Insurance Adjuster we exclusively represent policyholders through the claim process .  As I am sure some insurance companies do the right thing, we receive many calls with stories that are shocking to me in regards to how long an insurance claim is being delayed.

As Insurance Claim Delay has been one of many claim problems in all states, the Florida Legislature incorporated a Homeowner Claims Bill of Rights to attempt to thwart these issues. Here is what the bill of rights states in regards to how long an insurance company in Florida has to settle your claim :

3. Within 90 days, subject to any dual interest noted in the policy, receive full settlement payment for your claim or payment of the undisputed portion of your claim, or your insurance company’s denial of your claim.

This was the first version of the Homeowner Claims Bill of Rights and I think it is good for the policyholders in Florida but do feel that it could get even better.  The problem is that 90 days can seem like an eternity when your house is in shambles and possibly not usable.  Not everyone has money set aside to live off of in the event that their home becomes unusable and that is one of the reasons why we all purchase insurance.  It is also unfortunate that we have noticed a trend with one of the large Florida Insurance Companies in where they now will not settle a claim until the 90 days is coming to an end.

There are valid reasons for some insurance claim delays.  On complex issues there may be the need for experts to evaluate a loss or there may be an ongoing investigation Florida Public Adjusters help when your insurance claim is being delayedby fire or police officials.  The sad truth is that most of the delays we see are not justified.  On a regular basis we receive calls from policyholders that have small water losses that are past 60 days old and still no answer from the insurance company, this is just not right.

If you have filed a claim and feel that it is being unjustly delayed I recommend that you contact a Reputable Public Adjuster to review your claim and advise you of your options moving forward.

 


 

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What our clients say…

  • Vitasta M. AvatarVitasta M.

    Claim concepts helped us file a claim that I insurance company had denied. they came up with a very detailed estimate and were helpful throughout the process - 11/23/2018 

    cyril s. Avatarcyril s.

    Hiring Claims Concepts was one of the best decisions that my wife and I have made. A remarkable group of good, sincere people with a strong work ethic. They turned a stressful situation into a positive outcome. The only regret we have is not hiring them sooner. We would recommend them without any hesitation. So, to Greg, Eric and Jesse we thank you from the bottom of our hearts! - 4/23/2019 

    Tyler F. AvatarTyler F.

    Chris and his colleagues worked tirelessly to get my claim taken care of.They are the best insurance company I have ever worked with. I truly appreciated the time he took to explain my policy to me and the steps we needed to take to complete my claim.I will highly recommend them. - 8/23/2019 

  • Bryan B. AvatarBryan B.

    Greg was very helpful with my insurance claim. He was always just a phone call away. I hope I never have another mishap in my home, but if I do I will not hesitate to contact Greg Roover at Claim Concepts. - 10/23/2017 

    Michael M. AvatarMichael M.

    Great effort by Greg and Eric . Really did a fine job for us by collecting the amount needed to repair house. - 6/09/2019 

    Michael C. AvatarMichael C.

    Qualified, fast and and aggressive! What else could you ask for in a stressful situation? - 6/20/2017 

If you are looking for a Public Adjuster Near Me, you came to the right place. Our Florida Public Adjusters represent Policyholders Statewide, including but not limited to the following areas:

Florida Panhandle, Bay County, Washington County, Holmes County, Jackson County, Calhoun County, Gulf County, Franklin County, Liberty County, Gadsden County, Wakulla County, Leon County, Panama City, Panama City Beach, Marianna, Port Saint Joe, Apalachicola, Blountstown, Tallahassee, Mexico Beach, Callaway, Chattahoochee, Lynn Haven, South Florida, Central Florida, Northern Florida, Southwest Florida, West Florida, Palm Beach County, Martin County, St Lucie County, Broward County, Okeechobee County, Brevard County, Glades County, Indian River County, Lee County, Dade County, Boca Raton, Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boynton Beach, Lake Worth, Hobe Sound, Stuart, Palm City, Juno Beach, North Palm Beach, Royal Palm Beach, Singer Island, Riviera Beach, Collier County, Charlotte County, Palm Bay, Melbourne, Vero Beach, Cape Coral, Fort Myers, Orange County, Orlando, Port Saint Lucie, Weston, Delray Beach, Kissimmee, Fort Pierce, Greenacres