What happens if the insurance company delays or denies my claim?
LA CONSULTING
Original Content
Delays and denials are unfortunately common in the insurance industry. Insurers may drag their feet to pressure policyholders into giving up or accepting less, or they may deny claims outright by citing exclusions or arguing damages are not covered. If this happens, it does not mean the end of your claim. With LA Consulting on your side, delays and denials are challenged head-on. Our team of licensed public adjusters knows how to push back, enforce deadlines, and provide evidence that compels insurers to act. We ensure you are not left without options when your insurer fails to fulfill their responsibility.
Why insurers delay or deny
Insurance companies are businesses, and their goal is to protect profits. Delays reduce the number of claims they pay at once, while denials eliminate payouts entirely. Common reasons given for delays include waiting for additional inspections, requesting more documentation, or citing backlogs. Denials often reference exclusions, pre-existing conditions, or vague policy language. For policyholders without professional help, these tactics can feel overwhelming. LA Consulting understands these strategies and has proven methods to overcome them.
How LA Consulting responds to delays
When insurers delay your claim, we act quickly. First, we ensure your documentation is complete and resubmitted if necessary. Then, we follow up relentlessly with adjusters and supervisors, holding them accountable to Florida’s legal timelines. The law requires insurers to acknowledge, investigate, and make decisions within set timeframes. If they fail to comply, we use this leverage to push your claim forward. Our presence alone often changes the pace, because insurers know we will not allow stalling tactics to go unchallenged.
How LA Consulting handles denials
If your claim is denied, we do not stop there. We begin by reviewing the denial letter and identifying the reasons given. Then we compare those reasons against your policy language and our independent inspection findings. In many cases, denials are based on weak or inaccurate justifications. We prepare a supplemental claim or appeal supported by detailed evidence and expert reports that directly counter the insurer’s arguments. By presenting a stronger case, we frequently overturn denials and secure payouts that clients initially thought were impossible.
We also educate you on your rights, so you understand that a denial is not always final.
Examples of successful challenges
Many homeowners come to us after their roof claims were denied due to so-called “wear and tear.” By providing storm impact reports and photographic evidence, we have successfully reversed these denials. In water damage cases, insurers often deny coverage by claiming the damage was long-term, but our experts demonstrate that it was sudden and accidental, making it covered under the policy. These examples show that denials are not the end of the road—they are challenges we are equipped to overcome.
Commercial clients have also benefited from our persistence, recovering business interruption payouts that were initially denied due to narrow policy interpretations.
The bottom line
If your insurance company delays or denies your claim, LA Consulting is ready to act. We challenge stalling tactics, appeal denials with solid evidence, and enforce timelines to keep your claim moving. Denials and delays may be part of the insurer’s strategy, but they are not the final word. With LA Consulting, you gain a relentless partner who ensures your claim gets the attention and payout it deserves.
