Filing an insurance claim should be straightforward when your home suffers storm damage. But many people face frustrating insurance company delay tactics that drag the process out unnecessarily.
Whether you’re new to this or dealing with an ongoing insurance dispute, this blog will guide you. Keep reading to learn how to protect your claim and avoid these common pitfalls.
Common Delay Tactics Insurance Companies Use
Insurance companies use numerous tricks to slow down claim payouts. Knowing their tactics is the first step to protecting yourself.
Claiming Insufficient Information
A common excuse adjusters use is, “We don’t have enough to process this claim.” They might ask you repeatedly for “missing documents,” delaying your payout. But often, they’ve already got what they need. It’s a stalling trick that makes filing a storm damage claim harder than it should be.
Delaying Response Time
Have you been waiting weeks—or months—for an update? Delayed responses are deliberate. Insurance companies know the longer they stall, the more desperate you may get and settle for less. These delays can be maddening when you’re stuck in an insurance dispute.
How to Overcome Delay Tactics and Protect Your Claim
Don’t wait for the insurance company to “get back to you.” Here’s how to stay one step ahead of insurance company delay tactics and get the results you deserve.
Know Your Rights and Claim Timelines
Every state has laws dictating how quickly claims must be handled. Learn those timelines so you can hold your insurer accountable. Knowing your rights is powerful when dealing with legal representation or pushing back against delays.
Seek Professional Help if Needed
If delays drag on, it may be time to get legal representation. Professionals can push back on insurance tactics, ensuring your claim is processed quickly and fairly. Don’t hesitate to get help—it could mean the difference between a drawn-out fight and a speedy resolution.
Don’t Fight Insurance Stalls Alone
No one should have to face insurance company delay tactics alone. You can keep your claim moving forward by staying informed and taking proactive steps.
And when the process seems overwhelming, remember you don’t have to do it all yourself. Gibson Legal Group is ready to step in so you can leave your worries behind.