What To Do If Your Insurance Company Does Not Respond To Your Claim

Dealing with an unresponsive insurance company can be frustrating and stressful. When you file a claim, you expect prompt attention and fair treatment. Unfortunately, some insurers may delay or ignore your claim, leaving you unsure of how to proceed.

If your insurance company does not respond to your claim within 15-60 days, take action by documenting all communication attempts, escalating the issue to a claims manager, and filing a complaint with your state’s insurance department if necessary. These steps can help push your claim forward and protect your rights as a policyholder.

Remember that insurance companies have legal obligations to process claims within reasonable timeframes. By being persistent and following proper procedures, you can increase your chances of a timely resolution. Don’t let delays or silence from your insurer discourage you from pursuing the coverage you’re entitled to under your policy.

Initial Steps to Take

When an insurance company fails to respond to your claim, it’s crucial to take prompt and organized action. Proper documentation and consistent follow-up are key to resolving the situation.

Documenting All Contact Regarding The Claim

Start a detailed log of all communication attempts with your insurance company. Note dates, times, methods of contact, and any responses received. Include names and titles of representatives spoken to, if applicable.

Save copies of all written correspondence, including emails and letters sent. Keep records of phone calls, including call duration and a brief summary of the conversation.

Document any promises made or timelines given by the insurance company. This information may prove valuable if you need to escalate the issue later.

Follow Up With Your Insurance Representative

Reach out to your assigned insurance representative regularly. If you haven’t been assigned one, contact the claims department directly.

Be polite but persistent in your communication. Ask for specific timelines and next steps in the claims process.

Request written confirmation of any verbal discussions or agreements. This creates a paper trail and helps hold the insurance company accountable.

If your representative is unresponsive, try escalating to their supervisor. Explain your situation and the lack of response you’ve received so far.

Escalating the Issue

When your insurance company fails to respond, you have several options to escalate the matter. These approaches can help you get the attention your claim deserves and push for a resolution.

Get In Touch With Your Representative’s Supervisor

Request to speak with a supervisor or manager at your insurance company. Explain the situation calmly and provide details about your claim and previous attempts to contact the company. Ask for a specific timeline for resolving your issue.

Keep a record of this conversation, including the supervisor’s name and contact information. Follow up with an email summarizing your discussion and any promises made.

If the supervisor doesn’t resolve the issue, consider moving up the chain of command. Many insurance companies have an executive customer service team or office of the president that handles escalated complaints.

Report The Insurance Company To The State Department of Insurance

Your state’s Department of Insurance oversees insurance companies and protects consumers’ rights. File a formal complaint with them if your insurer remains unresponsive.

Visit your state’s Department of Insurance website to find complaint forms and submission instructions. Provide detailed information about your claim and all attempts to contact the insurance company.

The department will investigate your complaint and may contact the insurer on your behalf. This official inquiry often prompts action from the insurance company.

File A Lawsuit Against Your Insurance Company

If other methods fail, you may need to consider legal action. Consult with an attorney who specializes in insurance law (like our team at Landau Law) to discuss your options.

Your lawyer can help you understand the strength of your case and potential outcomes. They may start by sending a demand letter to the insurance company, which can sometimes resolve the issue without going to court.

Be prepared for a potentially lengthy process if you decide to sue. Document all communication and evidence related to your claim to support your case.

Landau Law: Florida Property Damage Lawyers

Landau Law Group specializes in property damage claims throughout Florida. With offices in Boca Raton and Bonita Springs, our experienced attorneys are ready to assist you.

When your insurance company fails to respond to your claim, Landau Law can help. Our lawyers have handled over $10 million in property damage claims for both residential and commercial properties.

The firm’s attorneys will:

• Examine your policy to determine coverage
• Investigate home inspections and audits
• Help recover compensation for your losses

Landau Law represents:

• Homeowners
• Business owners
• HOA and condo associations

Don’t face the insurance company alone. An experienced property damage lawyer can advocate for your rights and work to get you the maximum compensation you deserve.

The attorneys at Landau Law understand Florida’s unique property damage claim attributes. We can guide you through the process and hold insurance companies accountable for wrongful delays or denials.

If you need help with an unresponsive insurance company, consider reaching out to Landau Law. Our team is available to discuss your case and explain your options. Contact us today to schedule a free, no-obligation consultation about your property damage claim.