What to do if Insurance company is stalling

Insurance companies provide protection and financial support during unforeseen circumstances. However, sometimes insurance companies that are supposed to help can make a bad faith claim which may cause trouble for you. Seeing your struggle, today we have cracked What to do if Insurance company is stalling?.

“If you’re experiencing stall tactics or delays from your insurance company, it can be frustrating and annoying. But don’t give up. we will tell you What to do if Insurance company is stalling. By taking the right steps and being proactive can help you resolve the issue and get the compensation you deserve.”

This article we will explore What to do if an insurance company is stalling and making a bad faith claim, and what your rights are as a policyholder. So, if you’re tired of waiting and ready to get your claim moving, read on.

What to do if the homeowner’s insurance company is stalling?

If your insurance company needs to be more stable, follow these steps to get them moving faster. This is not legal advice, and you should consult with an experienced attorney before pursuing your specific claim.

If your homeowner’s insurance provider is dragging its feet, follow these steps:

Keep evidence safe to prevent stalling.

Make sure you have all the necessary documentation and information about your claim. This will help you to prove the insurance company’s acting in a bad faith claim. As you file a claim with your insurance company, be careful not to lose any supporting documents given below:

• Medical records
• Police Reports
• Phone calls Data
• Chat conversion 
• Pictures and videos of damage
• Witness information.

Keep reminding the Insurance Company to avoid stalling:

Regularly contact your insurance provider to see how the claim is progressing and get updates. Ask these questions from your insurance provider:

• Do they need any other documents? 
• Why is the claim taking so long? 
• When will I get my money to pay for my loss?
• When will the insurance adjuster come to see the damage?

Keep all phone call recordings safe, and take a screenshot of your chat with the insurance provider, as it may help you later in case you sue your insurance company.

Send Demand Notice against stalling:

Suppose your homeowner’s insurance claim is stalled. In that case, you can send a demand notice along with supporting evidence such as Medical records, photos, and estimates to the insurance company to request they take action on your claim.

It is advised to send the demand notice through a certified mailing platform so that you have a delivery record to prove the insurance company’s bad faith claim. If the insurance company continues to stall, you can file a lawsuit seeking legal assistance.

File complaint to insurance commissioner against stalling: 

File a complaint to your state’s insurance commissioner along with evidence such as medical reports and phone calls data of insurance providers. 

The insurance commissioner oversees insurance companies’ activities and protects consumers’ rights. Filling out a complaint resulted in quick responses from the insurance company.

File a lawsuit against claim stalling: 

If your homeowner’s insurance company continues to stall your claim, you may consider filing a lawsuit with the help of an experienced attorney. Going to an experienced attorney is your last option, as lawsuits can take insurance companies to their feets.

However, a lawsuit is an excellent option if you have a strong case of an insurance company acting in bad faith and having an experienced attorney.

Reasons why an insurance company stalls your claim?

There can be several reasons why an insurance company may stall on processing a claim, including:

• Lack of sufficient information or documentation 
• To make policyholders tired of the delay
• An unintelligent insurance adjuster doing an unlawful act 
• Policyholders lose evidence that may work in the company’s favor.
• Stall claim to compensate at a low cost
• Suspicion of fraud or misinformation
• Need for further investigation
• Disagreement on the compensation amount
• Policy limitations or exclusions
• Uncertainty about liability or fault
• Disputes between policyholder and insurance company

Signs That Show Your Insurance Company Is Stalling Your Claim?

If you suspect your homeowner’s insurance company is stalling your claim, here are some signs to look for:

Insurance claim stalling through Lack of response: 

If your insurance company is not returning your calls nor responding to your emails, it may be a sign that they are stalling.

Stalling by using Delaying Techniques: 

If your insurance company takes an inordinately long time to process your claim, it may indicate that they need to be more stable.

Poor investigation for stalling claim: 

If your insurance company is not conducting a thorough investigation of your claim or sending an insurance adjuster to assess the damage, it may be a sign of stalling.

Stalling by demanding additional information:

If your insurance company repeatedly asks for the same information or makes unreasonable demands, it may be a sign that they are stalling.

Stalling by Switching Insurance Adjusters regularly:

Be highly suspicious if the insurance company is delaying by continually changing your insurance adjusters. What happened to the previous insurance adjuster? Ask your insurance adjuster. If there isn’t a convincing argument, something is wrong.

Lowball settlement offers: 

If your insurance company is offering a much lower settlement than what you believe is fair, it may be a sign that they are stalling.

Stalling by denying your claim: 

If your insurance company denies your claim without providing a clear and detailed explanation, it may be a sign that they are stalling.

If you suspect your insurance company is stalling your claim, it is essential to take action. 

How Long Can an Insurance Company Legally stall Your Claim?

Here is a table showing the time limit for insurance companies to pay claims in different states of the United States.

If your claim is not settled within a specified time limit, you can submit a complaint to insurance commissioner’s office against insurance company and sue company for bad faith.