What Are The Important Deadlines For My Property Damage Claim?

Deadlines for a property damage claim can determine if a claim gets settled accurately and fairly. The deadlines for a property claim are important. Both the policyholder and the insurance company have deadlines for a property claim they must comply with. So, what are the deadlines for a property claim you must know about and how will they affect you and your claim?

Most deadlines for a property claim are difficult to determine. In most claims, time is of the essence. Here we will discuss the deadlines for a property claim and what you can do as a property owner to make sure you get the best and most fair claim settlement.

Policy contracts 

Most deadlines for a property claim are set out not by state laws and regulations, but rather by policy contracts. That’s why it is essential to understand your policy provisions. Some state guidelines monitor fair claim handling practices and include deadlines for a property claim.

Company response 

When you first file a property damage claim, your insurance company is required to respond in a certain amount of time. The actual length of time can vary from state to state and contract to contract, but in Florida, insurance carriers have 14 days to acknowledge the receipt of your claim. 

Most times the acknowledgment comes in the form of a claim number and an assigned company adjuster. This acknowledgment serves the purpose of letting you know that your insurance company is acknowledging your claim and the process has begun. 

This acknowledgment can become vital if you file your property claim without speaking to a company representative. If you use an online portal or emailed a notice to your insurance company, be sure to get a claim acknowledgment. 

Communication and deadlines 

Once your claim is acknowledged, there will likely be a lot of ongoing communication between you and your insurance company. Even with these exchanges of information, there are associated deadlines. If during the claim process, you contact your insurance carrier for information and leave a voicemail, the company has 14 days to respond to your request for further details. 

Similarly, if you send in a written request for information through email, the 14-day contact deadlines for a property claim apply. This time frame exists to make sure your insurance company responds to your inquiries in a timely fashion.

Evidence of loss 

Most insurance carriers require you to submit evidence of your claim. This process is also part of the deadlines for a property claim. The requirement for presenting evidence of loss can vary depending on your policy and insurance company, but generally, after you submit the proof, your insurance carrier has 0ten days to begin investigating your claim. 

Evidence of loss and the deadlines for a property claim don’t have to be complicated. A proof-of-loss submission may be a list of damaged property or a written statement about what happened. The evidence of loss is one of the most important aspects when it comes to deadlines for a property claim because it kicks off the claim investigation. 

Once you notify your insurance company about the claim, they will likely guide on submitting the proof of loss. They may ask for photos of the damaged property, estimates from contracting specialists, or details on the make, models, and manufacturer of the damaged property. 

Once you have given this information to your insurance company, they have ten days to respond under the deadlines for a property claim. 

Deadlines for a property claim with denials

After a claim is reported and the evidence submitted your insurance company investigates the claim. They take this time to review the information you provided, inspect the property and gather estimates. Most companies and policies give insurance carriers 90 days to complete such an investigation. However, the deadlines for a property claim are subject to change according to the action of the claim itself, but 90 days is a standard time frame. 

After the end of 90 days, your insurance company should tell you if your claim is settled or denied. Often, an insurance company won’t take the full 90 days to notify you of the results of your claim. Again, deadlines for a property claim function as guidelines and often change based on the merit of the claim. 

Deadlines for a property claim and your responsibilities

As a policyholder, you also have claims duties and responsibilities when it comes to deadlines for a property claim. Keep the following in mind:

Report your claim immediately: If you have damage to your property, notify your insurance company as soon as possible. At this point, you may not have all the information they request. Don’t feel obligated to answer every question. The purpose of the initial report is to just put your carrier on notice that you have damaged property. 

Secure your property to prevent further damage: Your policy contract requires that you attempt to mitigate your losses when you have a claim. This could mean installing tarps or boarding up windows. Securing your property isn’t technically one of the deadlines for a property damage claim, but it is an important responsibility of the policyholder. 

Track damages: As you begin recovering from your loss, track your out of pocket expenses and damage estimates. One of the deadlines for a property claim may dictate how long you have to submit requests for reimbursement on your out of pocket claim expenses. 

Policy contracts dictate deadlines for a property claim

When working on your claim, remember deadlines for a property claim are outlined in your agreement and are subject to change with the circumstances of your claim. 

If you are struggling to get your claim settled promptly, contact Your Large Loss Adjusters for help. Our team of public adjusters works to make sure you get your claim settled fairly and quickly. 

Contact us today!

Why is my Property Damage Claim Taking So Long to Process?

Experiencing property damage can be a stressful and overwhelming experience. Whether it’s from a hurricane, natural disaster, or an accident, the last thing you want to deal with is a long and drawn-out insurance claim process. Unfortunately, this is a common frustration among property owners who are trying to get their property repaired or replaced. In this blog post, we’ll explore the reasons why property damage claims can take so long to process and what you can do to speed up the process. From understanding the claims process to knowing your rights as a policyholder, we’ll provide valuable information to help you navigate the often-complex world of insurance claims. So, if you’re wondering why your property damage claim is taking so long to process, read on for some helpful insights.

Why is my insurance claim taking so long to process?

Filing an insurance claim can be a nightmare. Unfortunately, insurance companies are notorious for delaying and slowing down the claim process for their own benefit. In this blog post, we will discuss the most common reasons why insurance companies may be delaying or slowing down your insurance claim, and how they are exploiting their customers.

Lack of proper documentation and Insufficient information

One of the most common reasons for delays in the insurance claim process is the lack of proper documentation or enough information to process the claim. Insurance companies use this as an excuse to delay the process; even if the documents you have provided are enough, they will try to ask for more unnecessary documents to waste your time and further delay your claim and their need to make a payment for your damages and repairs.

Unclear policy coverage

Insurance companies may delay the claim process if the policy coverage is unclear. They will use this as an excuse not to pay the claim, and they will try to find any loophole in the policy to avoid paying you the claim.

Reasons for insurance claim delays

Difficulty in determining the cause of damage

Insurance companies may delay the claim process if they are unable to determine the cause of the damage. They use this as an excuse not to pay the claim, and they will try to investigate the cause of the damage as much as they can to find any reason not to pay you the claim.

Difficulty in determining the value of the damage

Insurance companies may also be taking so long to process your claim if they are unable to determine the value of the damage. They will use this as an excuse to undervalue your claim, and they will try to find the cheapest way to repair your damages and pay you the least amount possible.

It is important to remember that insurance companies are for-profit businesses, and they will do whatever it takes to save their money. They will use any excuse possible to delay or slow down the claim process. As a property owner, it is important to be persistent and aggressive in following up on your claim.

Common Questions

As a property owner, it can be incredibly frustrating to deal with insurance companies when trying to file a claim. Unfortunately, it’s not uncommon for insurance companies to drag their feet or slow down the claims process for various reasons. Here are some common questions that property owners may have when dealing with a delayed or slow-moving insurance claim:

Why is my claim taking so long to process?

Insurance companies may be understaffed or overwhelmed with claims, causing delays. They may also be intentionally dragging their feet in the hopes that you’ll give up on your claim.

Why is my claim being denied?

Insurance companies may be looking for any excuse to deny your claim, even if it’s not a valid reason. They may also be using fine print in your policy to deny your claim.

Why am I being asked for so much documentation?

Insurance companies may be asking for excessive documentation in an attempt to delay the process or find a reason to deny your claim.

Why am I being offered a low settlement?

Insurance companies may be trying to lowball you in order to save money. They may also be trying to pressure you into accepting a low settlement to avoid a drawn-out claims process.

Why am I being told my policy doesn’t cover the damage?

Insurance companies may be trying to use the fine print in your policy to deny your claim. They may also be interpreting your policy in a way that doesn’t cover the damage.


Are you tired of dealing with insurance companies that are taking so long to process your insurance claim? Are you feeling frustrated and overwhelmed by the process, and unsure of how to get the compensation you deserve? If so, it may be time to consider hiring a public adjuster to negotiate with your insurance company on your behalf.

A public adjuster is a professional who specializes in working with insurance companies to ensure that policyholders receive the full compensation they are entitled to. They have the knowledge and expertise to navigate the complex and often confusing world of insurance claims, and can help you get the results you need.

Here are just a few reasons why hiring a public adjuster can be incredibly beneficial when dealing with an insurance company that is delaying or slowing down your claim:

Public adjusters know the ins and outs of the insurance industry.

They understand the policies, procedures, and regulations that insurance companies must follow, and can use that knowledge to your advantage. They can quickly identify any issues or red flags that may be causing delays in your claim, and can take steps to address them.

Public adjusters can negotiate with insurance companies on your behalf.

They know how to communicate effectively with insurance adjusters and can advocate for your rights and interests. They can also help you to understand your policy and the coverage that you are entitled to, so that you can make informed decisions about your claim.

Public adjusters can help you to gather and document the necessary evidence to support your claim.

They have the skills and experience to accurately estimate the value of your damages. They can help you to present your case clearly and convincingly.

Public adjusters can help you to avoid common mistakes that can delay or deny your claim.

They can help you to avoid common pitfalls. These can include missing deadlines or failing to provide the necessary documentation. They can also help you to avoid making statements that may be used against you in the future.

Public adjusters can help you to get a fair settlement.

Insurance companies have their own bottom lines and will try to settle for as little as possible. A public adjuster will work for you to ensure that you receive the maximum amount of compensation you deserve.

Hire Your Large Loss Adjuster when your insurance company is taking too long to process your claim

Are you a property owner who has recently filed an insurance claim, but feel like you’re not getting the settlement you deserve? Are you feeling overwhelmed and unsure of how to navigate the claims process? Look no further, because Your Large Loss Adjuster is here to help!

At Your Large Loss Adjuster, we are a public adjusting firm that specializes in fighting for our customers to get the settlement they deserve. We understand that dealing with insurance claims can be a daunting task, which is why we want to take the burden off of your shoulders and handle it for you.

We will work closely with you to ensure that your claim is handled properly and that you receive the maximum settlement possible. Our experienced team has a proven track record of success. They’ve helped countless property owners just like you get the settlements they deserve.

Don’t let insurance companies take advantage of you. Let Your Large Loss Adjuster fight for your rights and help you get the settlement you deserve. Contact us today to schedule a consultation and see how we can help you.