What to do if homeowners insurance company is stalling?

What to do if homeowners insurance company is stalling?


When dealing with homeowners insurance claims, it can be frustrating if your insurance company is stalling or delaying the process. However, there are steps you can take to address this issue and ensure that your claim is processed in a timely manner. In this article, we will explore what you can do if your homeowners insurance company is stalling.

Review Your Policy

Understanding your policy: The first step is to review your homeowners insurance policy thoroughly. Familiarize yourself with the coverage, exclusions, and any specific requirements or procedures outlined in the policy. This will help you understand the rights and obligations of both you and the insurance company.

Contact Your Insurance Company

Initiate communication: If you believe your insurance company is stalling, it is essential to reach out to them and express your concerns. Contact your insurance company’s claims department and inquire about the status of your claim. Be sure to document all communication, including dates, times, and the names of the representatives you speak with.

Request a timeline: During your conversation with the insurance company, politely ask for a specific timeline for the processing of your claim. This will help hold them accountable and provide you with a better understanding of when to expect a resolution.

Document Everything

Keep records: It is crucial to maintain detailed records of all interactions with your insurance company. This includes copies of emails, letters, and phone call logs. Additionally, document any damages or losses you have incurred, including photographs and receipts. These records will serve as evidence if you need to escalate the situation.

Take notes: When communicating with your insurance company, take detailed notes of the conversations. Include the date, time, and a summary of what was discussed. These notes will help you recall important details and provide evidence of any promises made by the insurance company.

Escalate the Issue

File a complaint: If your insurance company continues to stall or delay your claim, you may need to escalate the issue. Start by filing a complaint with your state’s insurance department. Provide them with all relevant documentation and explain the situation in detail. The insurance department will investigate your complaint and work towards a resolution.

Seek legal advice: If filing a complaint does not resolve the issue, you may want to consult with an attorney specializing in insurance law. They can provide guidance on your rights and options, and potentially assist you in taking legal action against the insurance company if necessary.


Dealing with a homeowners insurance company that is stalling can be frustrating, but it is important to take proactive steps to address the issue. Review your policy, contact your insurance company, document everything, and escalate the issue if necessary. By following these steps, you can increase the chances of a timely resolution to your claim.


– National Association of Insurance Commissioners: www.naic.org
– Insurance Information Institute: www.iii.org
– State Insurance Department Websites: (specific to your state)