How long do insurance adjusters have to respond?
Waiting to hear an insurance claim you filed in Texas?
If so, you might wonder what to do next.
Dick Law Firm understands that navigating alone can be a difficult task.
Learn all about the Texas insurance claims settlement process and how we can help.
DOES AN INSURANCE ADJUSTER RESPOND TO MY CLAIM?
Briefly, indeed. Under Texas law, an insurance provider is allowed to file
Section 542.055 of the Texas Statutes allows an insurer to do the following
within 15 days of obtaining a claimant claim.
Recognize receipt of claim;
Start investigating the claim; and
Request relevant documents, declarations, and forms from the complainant
to assist the claim's investigation.
The failure of an insurer to acknowledge receiving your claim violates
the law. But the legislative specifications don't stop there. An insurer
must also inform you of the approval of your request.
In most cases, section 542.056 of the Texas Legislation specifies that
an insurer must inform an applicant of approving or denying a claim within
15 days of receiving all products, statements, and forms needed to examine
An insurer may often extend this to 45 days, but they need a sufficient
basis to do so.
If the insurer denies the application, they must also include the reasons
for the denial.
Knowing your rights is critical. If an insurance provider has unreasonably
denied your claim or refused to respond within the reasonable timeline,
you will need to take action. An accomplished lawyer will help fight for you.
CAN I SPEED UP THE PROCESS?
You cannot shorten the legislative timeframe in which insurance firms operate.
However, there are always things you can do to speed up arguments. Because
an insurer usually has 15 days to examine the claim from the date you
obtain the requested details, submitting these things as soon as possible
would help you.
Try to compile as many details as possible for the insurance provider following
an accident. Witness accounts, injury reports, and proof of failure forms
will help speed up the process.
WHEN DO I NEED A INSURANCE LAWYER?
If an insurer notifies you of paying a claim or part of a request, they
must do so within a specific period. Under Texas rule, they cannot postpone payment.
Section 542.057 of the Texas Statutes specifies that an insurer must usually
pay the approved claim "not later than the fifth business day after
the date of notification." Indeed, if an insurer fails to do so,
you might be entitled to reimbursement.
HOW TO HIRE AN INSURANCE LAWYER?
If you're dealing with an insurance provider that has delayed responding
or paying your claim, you can like there's nothing you can do. That's
not the case, however. Know you have rights, and you can take measures.
Don't let an insurance provider prolong the claims process. A lawyer
will help defend your interests and advocate for you. Contact today's
Dick Law Firm team for a free consultation to see if we can support you.
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