Learn your rights and escalation strategies when adjusters won't return calls or respond to communications.
Get Claim Command Pro →When your insurance adjuster stops responding, it's rarely an accident. Understanding why companies go silent helps you determine the appropriate response.
Some insurance companies use non-responsiveness as a negotiation tactic. They hope you'll either give up or accept a low offer out of frustration. This is particularly common when you've challenged their initial offer.
After major disasters, adjusters handle hundreds of claims. Your adjuster may be genuinely overwhelmed. This doesn't excuse non-responsiveness, but it explains it.
Sometimes adjusters go silent because they're waiting for internal approvals or dealing with coverage disputes within the company. They should communicate this to you, but often don't.
In some cases, non-responsiveness is designed to run out the clock on filing deadlines or appeal windows.
State laws require insurers to respond to communications within reasonable timeframes, typically 10-15 business days
You have the right to know the status of your claim at any time
Insurers must provide written explanations for delays or denials
Persistent non-responsiveness may constitute bad faith, giving you grounds for legal action
Take these escalating steps to get your insurance company to respond.
Access templates, escalation strategies, and guidance to force a response from unresponsive insurers.
Get Claim Command ProWait 5-7 business days after initial contact, then send a follow-up. If you don't hear back within another 5-7 days, escalate to the supervisor.
No. Filing complaints with state insurance departments often accelerates claim processing. Insurance companies take regulatory complaints seriously.
This happens frequently. Contact the main claims number and ask for your claim status and current adjuster assignment.
Non-responsiveness itself may not be enough, but if it causes you financial harm or constitutes a pattern of bad faith, you may have grounds for legal action.
Document the non-responsiveness in writing and submit your appeal or supplemental claim anyway. Note in your submission that you attempted to communicate but received no response.