If your claim is stalled or approaching the 90-day deadline, you can take immediate steps to protect your rights.
1. Document Every Communication
Keep detailed records of:
- Emails
- Phone calls
- Texts
- Requests for information
- Missed deadlines
- Unreturned messages
This documentation becomes invaluable if legal action becomes necessary.
2. Request a Written Explanation for Delays
You have the right to ask the insurer to explain:
- Why the claim is still open
- What information they believe is missing
- What steps remain
- When a final decision will be issued
If they cannot provide a clear timeline, that is a red flag.
3. Do Not Accept an Unfair Partial Payment
Carriers may offer a small “goodwill” payment to buy time. Accepting it could harm your overall recovery or be misconstrued as agreement on claim value.
4. Consult a Commercial Insurance Attorney
When a commercial claim surpasses 90 days, the most effective step is contacting legal counsel. At The Voss Law Firm, P.C.:
- We review claims for free
- You pay nothing unless we win your case (contingency fee)
- We force insurers to comply with the law
- We help secure full compensation—not just what the carrier wants to pay
You do not have to fight a multibillion-dollar insurance carrier on your own.
