Insurance Claims FAQs
Common questions about insurance claims demand letters.
Frequently Asked Questions
How long does an insurance company have to respond to my claim?
Most states require acknowledgment within 15 days and a decision within 30-45 days, though this varies.
What if my claim is denied?
Request the specific reasons in writing. Review your policy, then appeal internally or file a complaint with your state insurance department.
Can I sue my insurance company for bad faith?
If they unreasonably deny or delay valid claims, you may have a bad faith claim with additional damages.
Should I accept a settlement offer?
Understand the full value of your claim first. Settlement releases all future claims, so be sure you know total damages.
Do I need a public adjuster or attorney?
For complex or large claims, professional help often results in higher recoveries that outweigh the cost.
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