At McLaurin Law, one of the most common frustrations we hear from clients is how long it takes for insurance companies to process claims. Delays can drag on for weeks, months—or in some cases—even years. Fortunately, there are steps you can take as a policyholder to help speed up the process.
Document Everything—Immediately
If you’ve experienced property damage, the clock is ticking. Document the damage as soon as possible—ideally the same day. Take as many pictures as you can. “You can’t take too many pictures,” as we like to say. The more evidence you provide, the harder it is for the insurance company to delay the claim.
Communicate Thoroughly and In Writing
Send all relevant documentation to the insurance carrier. It’s better to send too much than not enough. Also, always follow up in writing after phone calls. If a disagreement arises later, written correspondence can protect your version of events and prevent denials based on “missing communication.”
Know Your Policy Duties
Every policy contains a section outlining the “Duties After Loss.” This often-overlooked section includes requirements such as submitting a sworn proof of loss or participating in an examination under oath. Failure to complete these duties can give your insurer an excuse to delay—or even deny—your claim.
FAQs
Q: What is a “sworn proof of loss”?
A: It’s a formal statement detailing your loss and the value of what you’re claiming. It must be signed and often notarized.
Q: Can I handle the insurance claim myself without a lawyer?
A: Yes—but if delays persist or your claim is denied, it’s a good idea to consult an attorney. Legal help can make all the difference.
Q: How soon should I start documenting damages?
A: Immediately. The sooner you document, the stronger your case.
Call McLaurin Law today at (713) 364-1895 for a free consultation. Whether or not you hire us, we’re here to help make sure your claim doesn’t get lost in the system. Don’t wait—protect your rights and your home now.
