What to Do if My Homeowners’ Insurance Company is Stalling?
When you purchase a homeowners’ insurance policy, you expect your insurer to fulfill their obligations. You wholeheartedly believe that your insurance company will help you through difficult times and provide peace of mind in the event of natural disasters, accidents, and other incidents. Homeowner’s insurance companies have a duty to act in good faith, but many breach that duty by delaying the claims process, a practice known as “stalling.” If your insurance company fails to process your homeowners’ insurance claim within a reasonable time, you may have legal grounds to file an insurance bad faith claim. Consult with our Tampa homeowners’ insurance attorneys at HD Law Partners to discuss your particular situation. Why do homeowners’ insurance companies use stall tactics? Homeowners’ insurance companies employ a variety of bad faith strategies, including stall tactics, to avoid or delay paying claims. Since insurers are profit-motivated companies, they are trying to increase their revenues by using stall tactics. Insurance companies intentionally delay processing, investigating, and paying out claims in an attempt to induce a policyholder to accept a lower settlement offer. Reasons why insurance companies put off settling a homeowners’ insurance claim Usually, there are three reasons why homeowners’ insurance companies put off settling or paying out a claim: The insurance company has requested additional documentation from the claimant; The insurance company is conducting a comprehensive investigation because it suspects a fraudulent claim; or The insurer is using a stall tactic in an attempt to encourage you to settle a claim for less than you actually deserve. If you believe that your homeowners’ insurance company is stalling, speak with a knowledgeable attorney right away. What to do if my insurer is stalling? Take the following steps if you suspect that your homeowners’ insurance company is intentionally delaying processing or paying out your claim: Gather and organize your documentation and records related to your claim. It is important to collect the following types of evidence and documentation: photos and videos of the property damage, your medical records, repair estimates, a copy of your insurance policy, your correspondence with the insurance company, and many more. Keep these records in a secure place and make sure that the documents are organized. Have a clear timeline of events. You should keep a journal to write down everything that happened during and after the natural disaster or incident that resulted in damage or destruction of your property. It is essential to recall every conversation with the insurance adjuster and write a summary of what the conversations were about. Memories can fade over time, which is why having a clear timeline of events can help you strengthen your claim against the insurer. Cooperate with your homeowners’ insurance company. Most homeowners’ insurance policies contain a clause that requires policyholders to cooperate with the insurance company when making a claim. If your insurer requests any additional documentation, provide the documents in a timely manner. However, if your insurer asks you to give a recorded statement, it is highly advised to consult with an attorney before providing any statements. If your homeowners’ insurance company is stalling or using delay tactics to avoid paying out your claim, contact a skilled attorney to defend your rights and help you obtain the compensation you deserve. Speak with our results-driven attorneys at HD Law Partners by calling 813-253-5333. 5 Things to Avoid During the Hurricane Insurance Claims Process in Florida Posted in Homeowners Insurance | No Comments » Connect with us Archives May 2026 April 2026 March 2026 February 2026 January 2026 December 2025 November 2025 October 2025 September 2025 July 2025 June 2025 January 2025 January 2024 December 2023 November 2023 October 2023 September 2023 August 2023 July 2023 June 2023 May 2023 April 2023 March 2023 February 2023 January 2023 December 2022 November 2022 October 2022 September 2022 August 2022 July 2022 May 2022 April 2022 March 2022 November 2021 October 2021 September 2021 August 2021 July 2021 May 2021 April 2021 March 2021 February 2021 January 2021 December 2020 November 2020 October 2020 August 2020 July 2020 June 2020 May 2020 April 2020 March 2020 February 2020 January 2020 December 2019 November 2019 October 2019 September 2019 August 2019 July 2019 June 2019 May 2019 April 2019 March 2019 February 2019 January 2019 December 2018 November 2018 October 2018 September 2018 August 2018 July 2018 June 2018 May 2018 April 2018 March 2018 February 2018 January 2018 December 2017 November 2017 October 2017 September 2017 August 2017 July 2017 June 2017 May 2017 April 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 November 13 Categories Alimony Appellate Arbitration Auto Accidents Auto Insurance Business Corporate Business Insurance Law Child Custody Child Support Criminal Law Divorce Family Law FEMA Insurance Payments Florida’s Mandatory 2‑Hour Legal Professionalism CLE: Foreclosure Defense Fort Myers Hurricane Insurance Attorney General Guardianship HD Law Partners Service HOA/Property Management Homeowners Association Homeowners Insurance Hurricane Claims Hurricane Insurance Insurance Bad Faith Insurance Claims Insurance Defense Insurance Litigation Landlord Tenant Law Enforcement Liability Loan Modifications Mold Water Damage Parental Rights Paternity Personal Injury Premises Liability Law Prenuptial Agreements Private Security Property Distribution Property Owner Law Sarasota Insurance Litigation Attorney Slip Fall Tampa Business and Corporate Attorneys tampa family attorney Tampa Insurance Attorneys Timeshare Timesharing Uncategorized HD Law Partners is proud to be your trusted full-service law firm Quick Links Property & Casualty Business & Corporate Litigation Family Law Contact Us Careers Get In Touch 2002 North Lois Avenue Suite 510 Tampa, FL 33607 813-253-5333 Contact Us