Delayed Insurance Claims

But for many homeowners and business owners in Florida and Texas, the opposite happens: your claim drags on for weeks, months, or even years with no clear explanation.

A delayed claim is not an accident — it’s a strategy. Insurance companies know that the longer they delay, the more pressure you feel to accept a low settlement or give up entirely. At Finman Law Group, we step in to stop the delays, force the insurance company to act, and fight for the full compensation you deserve.

What Is a Delayed Insurance Claim?

A delayed claim occurs when the insurance company fails to:

• Respond within required timelines
• Conduct a prompt investigation
• Send an adjuster in a reasonable time
• Make a coverage decision
• Pay undisputed amounts
• Communicate clearly and consistently

Both Florida and Texas have strict laws requiring insurance companies to act promptly. When they don’t, they may be violating state regulations — and you have the right to fight back.

Why Insurance Companies Delay Claims

Insurance companies delay claims for one reason: profit.

The longer they delay:

• The more interest they earn on unpaid money
• The more likely you are to accept a low offer
• The more time they have to find reasons to deny or underpay
• The more pressure you feel to repair damage out of pocket
• The more they can blame damage on “wear and tear” or “preexisting conditions”

Delays are especially common in:

• Water damage claims
• Roof damage claims
• Hurricane and windstorm claims
• Mold claims
• Fire and smoke claims
• Commercial property claims

If your claim is dragging on, it’s time to take control.

Florida & Texas Laws on Delayed Claims

Both states have strong consumer protections — but insurance companies count on you not knowing them.

Florida Deadlines (Florida Statutes § 627.70131)

Insurance companies must:

• Acknowledge your claim within 14 days
• Begin investigating promptly
• Make a coverage decision within 90 days
• Pay undisputed amounts immediately

If they don’t, they may be acting in bad faith.

Texas Deadlines (Texas Prompt Payment of Claims Act)

Insurers must:

• Acknowledge your claim within 15 days
• Request additional information quickly
• Make a decision within 15 business days after receiving documents
• Pay promptly after approval

If they delay without a valid reason, they may owe penalties, interest, and attorney’s fees.

Finman Law Group uses these laws aggressively to force insurers to act.

Signs Your Claim Is Being Delayed on Purpose

Insurance companies rarely admit they’re delaying your claim. Instead, they use subtle tactics to stall the process.

Common Delay Tactics

• Repeatedly asking for the same documents
• Claiming they “never received” your paperwork
• Scheduling and rescheduling inspections
• Sending multiple adjusters
• Requesting unnecessary recorded statements
• Blaming delays on “high claim volume”
• Ignoring your emails and calls
• Claiming they are “waiting on engineering reports”
• Offering small partial payments instead of resolving the full claim

If any of this sounds familiar, your claim is likely being delayed intentionally.

How Delays Hurt Homeowners & Businesses

A delayed claim can cause serious financial and emotional stress:

• Repairs get more expensive
• Damage spreads (especially water and mold)
• Contractors refuse to start work
• Mortgage companies demand proof of repairs
• Businesses lose revenue
• Families are forced to live in unsafe conditions

Insurance companies know this — and they use it to pressure you.

Finman Law Group stops the delays and forces action.

How Finman Law Group Fights Delayed Claims

When you hire us, we immediately take over communication with the insurance company and force them to comply with the law.

1. We Demand Immediate Action

We send formal legal notices requiring the insurer to meet state deadlines.

2. We Investigate the Cause of Delay

We identify whether the delay is:

• Negligence
• Bad faith
• Lack of proper investigation
• Intentional stalling

3. We Force the Insurance Company to Respond

If they continue delaying, we escalate the case.

4. We Pursue Bad Faith Damages

If the insurer violated Florida or Texas law, they may owe:

• Penalties
• Interest
• Attorney’s fees
• Additional compensation

5. We Push for Full Payment

Our goal is not just to end the delay — it’s to get you every dollar you’re owed.

Types of Claims Most Commonly Delayed

Water Damage Claims

Insurers delay to argue the damage was “longterm” or “maintenance.”
Learn more on our Water Damage Claims page.

Roof Damage Claims

Delays allow insurers to blame damage on age instead of storms.
Visit our Roof Damage Claims page.

Hurricane & Windstorm Claims

Delays are common after major storms in Florida and Texas.
See our Hurricane Damage and Windstorm Damage pages.

Mold Claims

Insurers delay to argue mold was not caused by a covered loss.
Visit our Mold Damage Claims page.

Fire & Smoke Claims

Smoke damage is often minimized or ignored.
See our Fire & Smoke Damage page.

Commercial Property Claims

Businesses face the worst delays due to high payout exposure.
Visit our Commercial & Business Property Damage page.

What To Do If Your Claim Is Delayed

1. Document everything

Save emails, letters, texts, and call logs.

2. Don’t keep waiting

Delays rarely fix themselves.

3. Don’t argue with the adjuster

They are trained to protect the insurance company.

4. Don’t accept a lowball offer

Insurers often delay first, then underpay.

5. Call Finman Law Group at 786-786-9633

We take over immediately.

Frequently Asked Questions

How long can an insurance company delay my claim?

Florida and Texas have strict deadlines. If your insurer is past those timelines, they may be acting illegally.

Can I sue for a delayed claim?

Yes. If the insurer violates state laws, you may be entitled to additional compensation.

Do I pay anything upfront?

No. We work on a contingency fee — you pay nothing unless we win.

Will hiring a lawyer speed up my claim?

Absolutely. Insurers respond quickly when they know they’re being held accountable.

Why Choose Finman Law Group

• Aggressive representation
• Deep experience with delayed, denied, and underpaid claims
• Florida + Texas insurance law expertise
• No upfront fees
• Full support from intake to litigation
• Communityfocused, clientfirst approach

When your insurance company slows down, we speed up.

Stop the Delay. Start the Fight.
Call Finman Law Group at 786-786-9633
Your claim deserves action — not excuses.