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…

  • Larry G. AvatarLarry G.

    Great company, Greg did a fantastic job! I highly recomend Claim Concepts. - 1/17/2018 

    Laura B. AvatarLaura B.

    Ten Stars all the way!!!Greg and Eric were just what I needed in order to get a fair settlement from my insurance company. They truly care about you and work diligently and quickly to see your claim is settled to your satisfaction. I would highly recommend Claims Concepts. thank you Greg and Eric for all you did for my family - 10/22/2018 

    Jadon t. AvatarJadon t.

    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! - 10/23/2017 

  • larry g. Avatarlarry g.

    I highly recommend Claim Concepts. - 10/23/2018 

    KJ M. AvatarKJ M.

    Greg and Eric were extremely responsive and professional. They handled our claim, and helped us maximize our settlement. They made sure every possible potential damaged item was covered. The amount we recovered more than paid their fee. - 10/23/2018 

    Rich B. AvatarRich B.

    Attention to detailThey were an invaluable asset in helping me to maneuver the complexity of getting my claim settled. No headaches , no hassle, they take care of everything. - 10/23/2017 

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