In Florida, Fla. Stat. § 627.7013(5)(a) states that a policyholder should receive a coverage decision (i.e. payment or a denial) within 90 days after the insurance company receives notice, unless there are factors that exist beyond the control of the insurance company for not making a decision.
Policyholders should mark 91 days on their calendar from the date they reported their claim. Almost every day, a client calls our office with complaints that it has been 5 months since they reported the claim and they have not received any form of correspondence from their insurance company. Many if not all insurance companies think that policyholders are unaware of this statute and will avoid issuing their claim decision timely.
There is no reason for a policyholder to reside or work in a propery, that is in disarray for more than 90 days. If a policy holder has complied with any and all requests by the insurance company to inspect the loss, submit documents (i.e. receipts, police reports etc…), submit a Proof of Loss (if applicable) and sit for an Examination Under Oath (if applicable), there is nothing stopping the insurance company from issuing a decision. If you find yourself in this predicament, please contact our office for a free consultation and policy review.