What Should I Do If My Insurance Company Is Not Responding to My Claim?

When your insurer goes silent, you may be dealing with delay tactics or bad faith. Jasmine Daya explains what steps to take if your claim is ignored.

What Should I Do If My Insurance Company Is Not Responding to My Claim?

By Jasmine Daya, Esq. – Geraci LLP

You’ve submitted your property damage claim. Maybe even uploaded documents and photos. But weeks have passed  and your insurance company has gone silent.

What now?

First, know this: You’re not alone.

Insurers often use strategic silence to delay payouts or pressure homeowners into giving up or accepting lowball settlements. This may qualify as bad faith under California law.

5 Things To Do Immediately:

1. Follow up in writing — email and certified letter

2. Request a timeline for investigation and decision

3. Document all attempts to reach them (dates, times, names)

4. Request a copy of your claim file (you’re entitled to it in California)

5. Speak with a property insurance lawyer — before it’s too late

Legal protections you have:

California law (specifically, the Fair Claims Settlement Practices Regulations) requires that:

• Your insurer acknowledge your claim within 15 calendar days

• They investigate promptly

• They make a coverage decision within 40 days, or explain why more time is needed

Failure to meet these timelines could mean your insurer is violating the law.

If they ghost you, don’t wait forever

Delays kill claims. Evidence gets lost. Deadlines expire. At Geraci LLP, we’ve stepped in to force insurers to act and sued when they refused.

Jasmine’s Advice

“When your insurance company stops talking, it’s not just rude, it might be illegal. Let us help you hold them accountable.”

Free Legal Help Available

If your claim has gone unanswered or unresolved, contact Geraci LLP. We’ll review your case and fight back — starting today.