Insurance Company Delayed My Claim in Florida: What You Should Do Next

Introduction

Waiting endlessly for your insurance payout can be frustrating, especially when you need that money to repair damages or cover medical bills. In Florida, claim delays by insurance companies are unfortunately common. If your insurance company delayed your claim, you have rights — and you don't have to face the situation alone. This guide explains why delays happen, what actions you can take, and how Louis Law Group can help you move your claim forward.

Common Reasons Insurance Companies Delay Claims in Florida

Insurance companies may delay claims for many reasons, and not all of them are justified. Here's why delays often happen:

Incomplete Documentation:

The insurer claims they need more paperwork or evidence before processing the claim.

High Volume of Claims:

After a major storm or disaster, insurance companies often become overwhelmed with claims.

Internal Investigations:

They may say they need more time to investigate the cause of loss.

Bad Faith Practices:

Sometimes, insurers delay intentionally, hoping claimants will give up or accept a lower settlement.

Policy Disputes:

If there's confusion about what your policy covers, it can lead to lengthy delays.

Understanding the reason behind the delay is the first step to solving it. You can find more about Florida's insurance regulations through the Florida Office of Insurance Regulation.

How Long Should an Insurance Claim Take in Florida?

Florida law protects policyholders from unreasonable delays. According to Florida Statute § 627.70131:

• Insurers must acknowledge a claim within 14 days after it's reported.

• They must begin investigating within a reasonable time.

• A decision to pay or deny must generally be made within 90 days.

If your insurance company hasn't made a decision within 90 days without a valid reason, they may be acting in bad faith, giving you grounds for legal action.

What to Do If Your Insurance Company Delays Your Claim in Florida

When you notice unusual delays, take action immediately:

Communicate in Writing:

Send emails or letters to document your attempts to get updates.

Request Specific Information:

Ask your insurer exactly what is causing the delay and when they expect a resolution.

Review Your Policy:

Understand your rights and responsibilities. Sometimes delays are due to missed steps you can correct.

File a Complaint:

You can file a complaint against your insurer with the Florida Department of Financial Services.

Hire an Insurance Attorney:

If delays continue, it’s best to have legal representation to push your claim forward.

How Louis Law Group Can Help You

At Louis Law Group, we understand the tactics insurance companies use to stall claims. We help policyholders by:

Investigating the Cause of Delay:

We analyze your claim history and correspondences to find violations.

Applying Legal Pressure:

We send formal demands and take legal action when necessary to force timely decisions.

Negotiating Fair Settlements:

We fight to ensure you get the full amount you're entitled to without unnecessary delays.

If your insurance company delayed your claim in Florida, Louis Law Group can help move things along quickly and ensure you're treated fairly.

How Delays Can Hurt Your Claim

A delayed claim doesn't just create frustration—it can cause real problems:

Financial Strain:

You might face repair bills, medical expenses, or relocation costs without insurance funds.

Worsening Damage:

Delays in repairs can cause additional damage to your property, which insurers might refuse to cover.

Emotional Stress:

Living with uncertainty takes a toll on your mental health and peace of mind.

The longer you wait, the harder it may become to resolve your claim favorably. Acting early protects your rights.

Tips for Preventing Future Claim Delays in Florida

Here’s how you can help speed up the process next time:

Submit a Complete Claim Package:

Include all documents, receipts, and photos upfront.

Follow Up Regularly:

Stay in contact with your claims adjuster and document all conversations.

Hire an Attorney Early:

Legal help from the beginning can show insurers you're serious about enforcing your rights.

Frequently Asked Questions (FAQ)

Q: How long can an insurance company legally delay a claim in Florida?

A: Insurance companies typically have 90 days to decide after a claim is filed unless there are exceptional circumstances.

Q: Is a delayed insurance claim considered bad faith?

A: It can be, especially if the delay is unreasonable and intended to force you into accepting less compensation.

Q: Can I sue my insurance company for delaying my claim?

A: Yes, you may be able to sue for bad faith practices if the delay is unjustified.

Q: How do I file a complaint against my insurance company in Florida?

A: You can file a complaint with the Florida Department of Financial Services through their official website.

Q: What can Louis Law Group do if my insurance claim is delayed?

A: We can pressure the insurer, pursue legal action, and fight for your full compensation without unnecessary delays.

Conclusion

If your insurance company has delayed your claim in Florida, remember that you are not powerless. Understanding your rights and taking strategic action is key. With experienced legal support from Louis Law Group, you can push your claim forward and secure the compensation you deserve.

Will you take the first step today toward getting the resolution you need?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.