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.

 


 

Free Claim Review With a Florida Public Adjuster

What our clients say…

  • Jadon Y. AvatarJadon Y.

    These guys are amazing they will fight for you and make sure even after they're done with their job they still answer questions for you in regards to your insurance claim. I've been battling back-and-forth with my mortgage company trying to release my funds and Eric has been amazing still helping me even though his job has been done. Greg and Eric are an awesome team if I ever need a public adjuster again they will be my number one guys to call no hesitation! - 5/11/2018 

    Brent W. AvatarBrent W.

    When you find yourself with such a loss and are unsure of who to trust to help get you back on your feet, look no further than Claim Concepts. It was my first time ever needing to file a claim and knowing who to trust was the biggest concern. I searched numerous adjustors and landed on Claim Concepts. Eric ran the point for my case, but the team concept approach they use is fantastic. Very knowledgeable company and took care of us in a time of need. Honesty, integrity, trustworthy and caring. I would recommend them to anyone in need of such services - 4/02/2020 

    Leroy R. AvatarLeroy R.

    Definitely agree with others' comments here. Greg at Claim Concepts is an honest broker. He is not just friendly and reliable-- he is also knowledgeable and hard-working. Even after Greg recognized there was not a "big job" at our home, he spent a lot of time helping us get a complex issue sorted out with our insurance company. Claim Concepts are good people. - 11/02/2019 

  • David L. AvatarDavid L.

    Claim Concepts did a great job getting us the money need to replace all that was ruined by the water damage caused by a leaking under the sink water treatment system. We were very happy with the results. - 10/02/2017 

    Louis S. AvatarLouis S.

    In a rather difficult time, Greg was reassuring, very professional and genuinely interested in our project. We had frequent updates and he saw the situation through to completion. I highly recommend Claim Concepts. - 10/02/2017 

    Patsy B. AvatarPatsy B.

    Greg was super professional and helped me do battle with a very reluctant insurer (Peoples). Our damage claim was fair to both sides, and was very happy Peoples finally saw it that way. Greg was on time for appointments and kept in excellent communication. I would not hesitate for a moment to recommend him to family and friends and use in future-- God forbid--if I had insurance problems or damage to my home - 11/23/2018 

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:

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