When your home has been damaged and you’ve submitted an insurance claim, every day of silence from your insurer can feel like an eternity. But what many Florida homeowners don’t realize is that delays in processing claims can have real financial consequences—and you have legal rights when timelines aren’t respected.

Why Insurance Delays Happen

Insurance companies may stall for a number of reasons—complexity of the damage, documentation requests, or, in some unfortunate cases, deliberate tactics to minimize payouts. In a state like Florida, where hurricane season puts immense pressure on insurers, these delays are increasingly common.

Florida Law Is on Your Side

Under Florida law, insurance companies have strict deadlines for responding to claims. For example:

  • 14 days to acknowledge your claim unless payment is made within that period
  • 90 days to pay or deny the claim or a portion of the claim

If your insurer isn’t meeting these timelines, you may be entitled to legal remedies, including interest on delayed payments.

Real Impact: More Than Just an Inconvenience

Delays can:

  • Force you to live in unsafe or uncomfortable conditions
  • Cause you to dip into savings or credit to cover temporary repairs
  • Disrupt your ability to rebuild or sell your property

How Boggs Law Group Can Help

Our team in St. Petersburg understands how these delays can upend your life. We advocate for homeowners across Florida who are facing slow-moving or unresponsive insurers. We don’t just push paperwork—we push for progress.

We’ll help you:

  • Enforce your rights under Florida law
  • Demand timely resolution or escalate to legal action when necessary
  • Recover interest on delayed payments, when applicable

If your insurance claim is stuck in limbo, you don’t have to wait and wonder. At Boggs Law Group, we help Florida homeowners hold insurers accountable for timely resolutions—because justice delayed is too often justice denied.

Contact us today for a free consultation.