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…

  • Dave S. AvatarDave S.

    Greg was great to work with and got results! - 10/02/2018 

    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 

    Cyn AvatarCyn

    Great service from Claim Concepts, It helped me so much dealing with uncooperative insurence and received what I deserved, Thank you so much Greg! - 10/02/2018 

  • Willie G. AvatarWillie G.

    Great experience working with Greg at Claim Concepts. Insurance company originally paid me $1400 and after getting Claim Concepts involved we recovered an additional $21,500! My only regret is not hiring them sooner as once they got involved I was relieved of all the stress of dealing with the insurance company and clearly they knew exactly what to do. I highly recommend them to anyone with a claim. - 10/23/2017 

    Duane M. AvatarDuane M.

    I highly recommend claim concepts. Greg was extremely pleasant to deal with, yet firm and persistent in getting us the results necessary. I highly recommend them. You won't be disappointed. - 10/23/2017 

    Carlos C. AvatarCarlos C.

    Greg helped us out throgh a difficult time with great results. Always kept us informed throughout the process. - 7/09/2017 

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:

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