Texas weather can wreak havoc on our homes and cars. When disaster strikes, we count on our insurance to help us recover. But what if your claim seems to drag on? Knowing when to call your claim “delayed” in Texas can help protect your rights and get fair treatment.
Texas insurance claim timelines
Texas law sets specific deadlines for insurance companies to handle claims. Typically, insurance companies have 15 days to acknowledge your claim once received, another 15 days to start investigating it and 15 days to accept or reject your claim after getting all the required documents. These timelines give you a starting point but remember that some claims might need more time. You might face a delayed claim if your insurer misses these deadlines without a good reason.
Red flags for delayed claims
Watch out for these signs that your claim might be unreasonably delayed:
- Your insurer doesn’t respond to your messages
- They keep asking for information you’ve already given them
- Their reasons for the delay keep changing
- They pressure you to accept less money
Before you act, try these steps:
- Write down all your communications with the insurance company
- Follow up on phone calls with emails or letters
- Ask to speak with a supervisor about your concerns
If these steps don’t work, consider talking to an insurance attorney in Austin. They can explain your options and speed up your claim. Texas law protects you as a policyholder.
Knowing the typical timelines and spotting delay tactics can help you handle the claims process better. You deserve to get your coverage promptly, so don’t hesitate to speak up if your claim takes too long.
