How to Fight Back When Your Homeowners Insurance Company is Stalling

Are you finding it hard to get your insurance claims? and wondering what to do if homeowners insurance company is stalling? Here is the answer.

It can be frustrating to deal with your homeowners insurance company after they refuse to pay out on an insurance claim you filed.

It’s also extremely important that you don’t give up and accept their refusal, as doing so can result in significant financial loss in the long run.

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Use these tips on how to fight back when your homeowners insurance company is stalling and get back the money you deserve!

6 Signs That Your Insurer Is Stalling Your Claim

If you’ve filed a homeowners insurance claim and the process isn’t moving as quickly as you’d like, it may be because your insurer is stalling.

Here are some signs that your insurer may be dragging their feet:

  1. You’ve been waiting for weeks without any communication from the insurance company.
  2. The adjuster assigned to your case seems uninterested in helping you.
  3. You keep getting the runaround when you try to contact customer service.
  4. The insurance company has requested excessive documentation from you.
  5. Your claim has been denied without a clear explanation.
  6. You’re being offered a low settlement amount that doesn’t cover the cost of repairs.
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Why Your Home Insurer May Be Stalling Your Claim?

Your homeowners insurance company may be stalling your claim for a number of reasons. Perhaps they’re hoping you’ll give up and go away. Or, they may be trying to low-ball you on the settlement.

Whatever the reason, you don’t have to take their stall tactics lying down.

Here’s what to do if your homeowners insurance company is stalling

  • Immediately start documenting what’s happening. Save copies of all correspondence with your insurer, noting any dates when conversations took place.
  • Keep an eye out for patterns in how the insurer is responding to your calls or emails: are they delaying? Are they demanding more documentation than usual? Is there a pattern? If so, what can you conclude from it?
  • Write an email detailing the problems that exist in each conversation with your insurer and ask them point blank why they think this has been happening. Attach copies of any previous correspondence where relevant and provide suggestions as to how to move forward in good faith with you as their customer.

How Long Can Home Insurance Company Legally Delay Your Claim?

It can be incredibly frustrating when you have a homeowners insurance claim and the company is stalling. You may be wondering how long they can legally delay your claim.

Well, that depends on what state you live in. In California, for example, the maximum allowable time for an insurer to investigate a property damage or personal injury claims after it has been reported is 15 days from the date of notice of loss.

If they don’t respond within that time frame, then you are entitled to collect damages from them as if their investigation had not occurred at all!

So make sure to contact your insurance company quickly so that you’re not waiting around for them for months on end!

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What to do if Homeowners Insurance Company is Stalling?

If you’re homeowners insurance company is stalling, don’t despair. You have options. The first step is to send a formal letter demanding action by a certain date. This will put pressure on the company and may prompt them to take action.

If they still don’t respond, you can consider taking legal action or filing a complaint with your state’s insurance commissioner. Whatever you do, don’t give up.

You have rights and you deserve to be treated fairly. Make sure that you document everything that happens during this process.

It may come in handy later if there are any disagreements about what happened and when.

Below are ways to get your insurance company on their toes when they are stalling;

Contact the agent and notify them you want to hire an attorney

If you’re wondering what to do if your homeowners insurance company is stalling, the first step is to contact your agent.

You’ll want to let them know that you’re planning on hiring an attorney, and ask for a copy of the policy. Once you have the policy, review it carefully to see what coverages you have and what the insurer should be paying for.

If you think the insurer is acting in bad faith, you can file a complaint with your state’s department of insurance.

You may also want to consider filing a lawsuit against the company if they’ve denied your claim or are delaying payment. Filing a lawsuit may help to pressure the company into action, but it will take time and money.

It’s important to hire an experienced lawyer who specializes in this type of law, as there are certain steps you’ll need to take before filing suit which could determine whether or not you succeed.

File a complaint with your state department of insurance

If you’re in a dispute with your homeowners insurance company and you feel like you’re getting the runaround, it’s time to take action.

One of the first things you can do is file a complaint with your state department of insurance. The Department of Insurance may be able to intervene on your behalf and make sure that your claim is paid out properly.

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If you need help navigating this process, contact the NFIP Helpline at 1-800-427-4661 or FEMA’s Consumer Services team at 1-800-621-3362 for assistance.

Send a formal letter demanding action by a certain date

If your homeowners insurance company is stalling on your claim, you have the right to demand action.

By sending a formal letter, you are putting the insurance company on notice that you expect them to take action by a certain date.

If they do not, you may have grounds to take legal action. The letter should include all of the following:

  • Your name and contact information
  • A description of what happened and what damage was done
  • The date of the incident
  • An explanation of why this particular matter needs to be resolved now
  • What you would like done (e.g., will accept payment in full)
  • What will happen if nothing is done by the deadline (e.g., filing suit)

Go on record with all correspondence via certified mail, return receipt requested

If you’re dealing with a homeowners insurance company that’s stalling, the another thing you should do is go on record with all correspondence.

This way, you have a paper trail of everything that’s happened. certified mail, return receipt requested will ensure that your correspondence is received and gives you proof that it was received.

You can also send correspondence by regular first class mail so you have a hard copy of what you sent.

Finally, document phone calls by using voicemail or apps like TapeACall Pro or iRecorder Pro that let you record conversations so there’s no doubt about what was said.

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