If your property insurance claim feels like it’s dragging on with no clear answers, you’re not alone. In the attached video, Florida property insurance attorney Ben Raslavich explains the legal timelines insurers must follow and what homeowners can do when delays cross the line into potential bad faith.
Under Florida law, insurance companies are required to acknowledge a new claim within about seven days and make a coverage decision within sixty days, subject to limited exceptions. These deadlines exist to protect homeowners from being left in financial limbo after storm damage, roof leaks, water intrusion, or other serious property losses. When insurers fail to meet these timeframes without a valid reason, their delay may violate state regulations.
Legal support can make a meaningful difference when delays persist. Property insurance attorneys often step in to demand formal responses, enforce statutory deadlines, and push claims toward resolution. Firms such as Kuhn Raslavich, P.A. regularly assist homeowners in challenging unreasonable delays and ensuring insurers meet their obligations under the policy and the law.
If your claim is approaching or past the sixty-day decision window, it may be time to evaluate your options. Acting early can help preserve documentation, prevent further property damage, and strengthen your position if a dispute becomes necessary.
Don’t Let Insurance Delays Put Your Home at Risk
If your property insurance claim has been stalled, ignored, or endlessly delayed, consider speaking with a qualified property insurance attorney as soon as possible. Timely action can help protect your rights, push your claim toward resolution, and improve your chances of securing the compensation needed to properly repair your home. The sooner you take action, the sooner you can move from uncertainty to recovery.
FAQs
- How long does an insurance company have to respond to a claim in Florida?
Insurers generally must acknowledge a claim within about seven days and issue a decision within sixty days, with limited exceptions. These timelines help ensure claims are handled promptly. Delays beyond this window may warrant legal review. - Can an insurance company keep asking for more documents to delay a claim?
Insurers may request reasonable documentation, but repeated or unnecessary requests can signal a delay tactic. If the requests seem excessive or repetitive, legal guidance may help determine whether the conduct is improper. Documentation of all communications is important. - What damages are most affected by claim delays?
Roof damage, water intrusion, mold growth, and storm-related losses often worsen when repairs are postponed. Delays can increase repair costs and create additional structural issues. Quick resolution helps prevent further deterioration. - When should I contact a lawyer about a delayed insurance claim?
If your claim is nearing or past the typical decision deadline, or if communication has stalled, it may be time to consult an attorney. Early advice can clarify your rights and next steps. Prompt action often leads to faster claim movement.