Insurance Claim Stalling

Repeated Documentation Requests

You submit what's requested, then receive another request for additional or different documentation. Each request adds weeks to the process. One or two requests may be legitimate, but repeated requests are a stalling tactic.

Vague Explanations for Delays

When you ask about status, you get non-specific answers like "still under review" or "waiting for approval" without concrete timelines or explanations.

Requests for Information Already Provided

The adjuster asks for documents you've already submitted. This suggests they're not actually reviewing your file or are deliberately creating delays.

Unexplained Silence

Weeks go by with no communication despite your follow-ups. The adjuster doesn't return calls or emails.

Unnecessary Investigations

The company launches investigations into issues that are clearly covered or irrelevant to your claim.

• Create a Timeline — Document every communication, request, and submission with dates
• Submit Complete Packages — Provide all requested documentation in one comprehensive submission to eliminate excuses
• Set Specific Deadlines — In all communications, specify deadlines for responses
• Escalate Quickly — Don't wait months to escalate. If you see stalling patterns, escalate within weeks
• Reference Prompt Payment Laws — Cite your state's insurance regulations in communications
• File Regulatory Complaints — Contact your state insurance department early if stalling is evident
• Document Financial Harm — Keep records of how delays are costing you money
• Consider Bad Faith Claims — Persistent stalling may constitute bad faith, giving you grounds for legal action