Insurance Claim Delay

Adjuster Workload

After major weather events, adjusters handle dozens or hundreds of claims simultaneously. Your claim may be delayed simply because the adjuster hasn't gotten to it yet. This is a legitimate delay, but it doesn't mean you can't take steps to move your claim forward.

Documentation Requests

The most common delay tactic is requesting additional documentation. Each request adds days or weeks to the process. Sometimes these requests are legitimate, but often they're used to slow down claims.

Internal Review Processes

Large claims often require multiple levels of approval within the insurance company. Each approval step adds time. You have limited ability to accelerate internal processes, but you can ensure you're not creating delays by submitting incomplete information.

Investigation

Insurance companies may delay claims while investigating causation, pre-existing damage, or policy coverage questions. Investigations can be legitimate, but they're also used as delay tactics.

• Document All Communications — Keep detailed records of every call, email, and letter with dates and names
• Submit Complete Documentation — Provide everything requested in one comprehensive submission
• Set Deadlines — In your communications, specify reasonable deadlines for responses
• Escalate Internally — If your adjuster is unresponsive, contact their supervisor
• Reference State Laws — Cite your state's prompt payment laws in communications
• File Regulatory Complaints — Contact your state insurance department if delays are unreasonable
• Consider Legal Action — For extreme delays, consult an attorney about bad faith claims