What Do I Do If My Insurance Company Is Ignoring Me?

Signs Your Insurance Company Is Ignoring You

When disaster strikes and you file a claim, you expect your insurance company to respond quickly and fairly. But in Florida, many homeowners face a frustrating reality: insurance companies delay, deflect, or outright ignore policyholders. If you’re being ignored after filing a property insurance claim, you’re not alone—and you’re not without options.

Insurers have legal deadlines. If they miss them, they may be acting in bad faith.

  • No reply within 14 days of filing your claim.
  • No adjuster contact or inspection.
  • Endless delays or vague excuses.
  • Repeated rescheduling or missed callbacks.
  • No decision within 90 days.

These are clear signs your insurance provider may be stalling.

Document Every Attempt to Contact the Insurance Company

Keep a detailed communication log that includes:

  • Dates and times of calls, emails, or messages
  • Names and titles of representatives spoken to
  • Screenshots of text messages or emails
  • Certified mail receipts, if applicable

Every ignored voicemail or unanswered email becomes critical evidence if you need to file a bad faith insurance claim.

Check Your Policy and Claim Status

First, review your insurance policy to ensure you’ve met all the requirements for filing a claim. Ensure you’ve submitted all necessary documentation, including photos, estimates, and receipts. If you’re missing anything, submit it as soon as possible.

You should also try checking the status of your claim through any online portals or customer service lines provided by your insurance company.

How Long Should It Take for an Insurance Company to Respond in Florida?

According to the Florida Administrative Code:

  • Insurers must acknowledge your claim within 14 days
  • They must begin an investigation within 10 business days of receipt
  • They must pay or deny a claim within 90 days

If your insurer violates any of these timelines, you can take action. Time delays beyond these periods, especially without contact, are unacceptable and may be unlawful.

Don’t Accept a Lowball Offer After Delay

Sometimes, insurers delay making you desperate. Then they offer less than you deserve.

  • Never accept a quick offer without legal review.
  • Know the full value of your loss, including repairs and hidden damage.
  • Let an attorney review your estimate and policy coverage.

You waited long enough—now fight for the full payout.

Hire an Insurance Claim Lawyer to Escalate the Issue

When insurers ignore you, they often bet you won’t push back. Hiring an experienced insurance claim attorney sends a message that you’re serious. A lawyer can:

You Don’t Have to Tolerate Insurance Silence

When your insurance company ignores your claim, it’s more than frustrating—it can be financially devastating. Policyholders pay premiums in good faith, expecting timely communication and claim processing. If your insurer is unresponsive, stalling, or ghosting your calls, this can signal bad faith behavior and entitle you to legal remedies.

If your insurance company is ignoring you, take control and act swiftly. The longer you wait, the stronger the insurer’s position becomes. Don’t let that happen.