Claim delays and disputes
What to Do When Your Insurance Claim Is Delayed
Calm, practical steps when progress stalls.
Editorial status: draft — awaiting expert review. General information only.
Ask for status in writing
Request an update and ask what, if anything, is outstanding from you.
Review your records
Check your communication log for missed requests.
Escalate within the insurer
Ask to speak with a supervisor or claims manager.
Your state insurance department
State insurance departments accept consumer complaints and can explain state rules. You can also consider consulting a licensed professional such as a public adjuster or attorney.
Related guides
Official resources
This guide is general educational information, not insurance, legal or financial advice. Your policy, insurer and state rules determine what applies to your situation.