When a Delayed Insurance Claim Requires a Lawyer in Florida
Delayed insurance claims can cause serious stress and financial hardship, especially for Florida homeowners recovering from storm or hurricane damage. When your insurance company fails to respond or pay promptly, it may be time to seek legal help. A delayed insurance claim puts your property, peace of mind, and financial recovery at risk.
In Florida, CMS Law Group serves homeowners facing long claim delays or unfair practices. We help policyholders fight back when insurance companies stall or avoid payment. This blog explains what causes delays, how to identify signs of bad faith, and when to contact a lawyer for a delayed insurance claim.
Why Are Florida Insurance Claims Delayed?
Florida often experiences powerful hurricanes, flooding, and tropical storms. These severe weather events can trigger a large volume of homeowner insurance claims at once. When that happens, insurance companies may struggle to keep up with processing timelines. As a result, many policyholders experience significant delays.
In some cases, delays occur because property inspections are incomplete or inconsistent. Adjusters may miss key damage, or the insurer may request additional documents that slow things down. Misplaced reports and lack of follow-up from insurance representatives are also common issues.
Sometimes, insurers intentionally slow the process by questioning the cause of the damage. They may dispute whether a storm caused the loss or attempt to lower their payout amount. These tactics frustrate homeowners who are trying to make urgent repairs and recover after disasters.
Signs Your Claim Delay May Be Bad Faith
Some delays go beyond slow paperwork. They may signal bad faith insurance tactics. Florida law protects you from unreasonable delays, but you need to know the signs.
- No updates after repeated calls or emails
- Endless requests for irrelevant documents
- Different adjusters giving conflicting information
- Promises of payment that never come
- Delays used as pressure to accept a low offer
If you notice these issues, your delayed insurance claim may be more than just a backlog.
When to Contact a Lawyer for a Delayed Insurance Claim
If your insurance company has not moved your claim forward within 30 to 60 days, you should act quickly. Florida law requires insurers to acknowledge, investigate, and resolve claims within 90 days, yet many homeowners experience delays that stretch far beyond this deadline. Long wait times, unanswered emails, or repeated requests for the same documents are warning signs that your delayed insurance claim may not be handled fairly. Delays can also affect repairs, temporary housing, and overall financial stability.
You do not need to wait until the situation becomes unmanageable. Early legal help protects your rights and keeps your claim on track. At CMS Law Group, we guide Florida homeowners through delayed claim issues with clear direction and strong advocacy. We review your case, identify what is causing the delay, and take steps to push the insurer to respond and act.
How a Lawyer Helps with Delayed Insurance Claims
Delays in insurance claims can create serious stress for Florida homeowners. Legal support often becomes necessary when insurance companies fail to respond, avoid payment, or stall the process without reason. At CMS Law Group, we help move your claim forward by applying pressure and using the right legal tools.
Our team sends formal demand letters requesting prompt action and fair payment. We also file complaints with the Florida Department of Financial Services when insurers ignore deadlines or violate state rules. In many cases, we negotiate directly with insurance adjusters to reach quicker resolutions. When necessary, we file bad faith lawsuits to hold companies accountable for unfair tactics.
If your insurance claim has been delayed, you don’t have to face it alone. We step in, take the burden off your shoulders, and work to get the outcome you deserve.
Florida Laws That Protect Homeowners from Unreasonable Delays
Florida requires insurance companies to follow strict timelines when handling property damage claims. Under Florida Statute 627.70131, insurers must acknowledge your claim within 14 days and complete their review within 90 days unless there are exceptional circumstances. They must also inspect the property promptly, request documents within a reasonable time, and provide written explanations for any delay or denial. These laws exist to ensure fair treatment and prevent companies from slowing down the claims process without cause.
When insurers ignore these rules, they create unnecessary hardship for homeowners already dealing with storm damage and financial stress. Understanding your rights helps you identify when a delayed insurance claim may violate state law. This knowledge also prepares you to take the next step when delays become unreasonable and your recovery is at risk.
What to Do If Your Claim Is Already Delayed
Don’t panic if your claim is stuck. Take these steps to protect your case:
- Keep a record of every email, letter, and call with your insurer
- Follow up every few days and document each interaction
- Request a written status update from your adjuster
- Save receipts, photos, and all evidence of damage
- Contact CMS Law Group if 60 days have passed without resolution
We offer free consultations to review your delayed insurance claim and take legal action if needed. Contact us today.
Why CMS Law Group Is the Right Choice for Florida Claim Disputes
At CMS Law Group, we stand with Florida homeowners facing denied, delayed, or underpaid insurance claims. When your insurer refuses to act fairly after property damage, we step in with strong legal support. Our experienced team in North Miami understands the challenges policyholders face during storm recovery or repair delays. We review your claim in detail, identify bad faith practices, and fight for the compensation you deserve.
We don’t believe in generic solutions. Instead, we tailor our legal strategy to your situation and keep you informed every step of the way. Whether your claim was denied without reason, delayed for months, or paid far less than what repairs cost, we are ready to challenge the insurer’s tactics. CMS Law Group offers fast response times, trusted legal guidance, and statewide support to help Florida residents rebuild and recover with confidence.
Don’t Let Delays Jeopardize Your Recovery
A delayed insurance claim can leave your home damaged and your family in distress. Don’t let insurance companies drag their feet. CMS Law Group can help you demand answers, enforce your rights, and move your claim forward. Contact us today to schedule your free case review and take control of your recovery.
CMS Law Group
12955 Biscayne Blvd. Suite 201
North Miami, FL 33181
Phone: (866) 345-2033
Email: info@cmslawgroup.com