{"id":61162,"date":"2026-10-02T05:51:38","date_gmt":"2026-10-02T05:51:38","guid":{"rendered":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/how-long-does-an-insurance-company-have-to-pay-a-claim-in-florida\/"},"modified":"2026-10-08T19:25:24","modified_gmt":"2026-10-08T19:25:24","slug":"how-long-does-an-insurance-company-have-to-pay-a-claim-in-florida","status":"publish","type":"page","link":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/how-long-does-an-insurance-company-have-to-pay-a-claim-in-florida\/","title":{"rendered":"How long does an insurance company have to pay"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull is-dark\" style=\"min-height:460px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-secondary-background-color has-background-dim-60 has-background-dim\"><\/span><img decoding=\"async\" class=\"wp-block-cover__image-background\" alt=\"Euro banknotes, a calculator, and a laptop keyboard arranged on a desk for financial analysis.\" src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/10\/euro-banknotes-a-calculator-and-a-laptop-keyboard-arranged-o-photo.jpg\"\/><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p class=\"chg-eyebrow has-base-color has-text-color wp-block-paragraph\">Insurance Claims<\/p><h1 class=\"wp-block-heading has-base-color has-text-color\">How Long Does an Insurance Company Have to Pay?<\/h1><p class=\"has-base-color has-text-color wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.625), 1.25rem);\">Understanding Florida&#x27;s payment timelines and what to do if your claim is delayed.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free case evaluation<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free case evaluation<\/a><\/div><\/div>\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:0.85rem;color:#6b7280;margin-bottom:1.5rem\">By CHG Lawyers \u00b7 Published October 02, 2026<\/p>\n\n<article lang=\"en\">\n\n<h2>Florida Insurance Claim Payment Deadlines: What Insurers Must Do<\/h2>\n<p>Florida law sets strict deadlines for insurance claim payments. Many claimants don&#8217;t know these deadlines exist\u2014or what to do when insurers miss them.<\/p>\n<p><a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.70131.html\">Florida Statute 627.70131<\/a> creates three separate obligations for insurers:<\/p>\n<ul>\n<li>Acknowledge your claim within 7 days<\/li>\n<li>Pay without unreasonable delay after approval<\/li>\n<\/ul>\n<p>If your insurer misses these deadlines or stalls without explanation, you may have legal options\u2014including filing a complaint with the state regulator or pursuing a bad-faith claim.<\/p>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/10\/damaged-cargo-ship-with-broken-mooring-lines-at-harbor-after-photo.jpg\" alt=\"Damaged cargo ship with broken mooring lines at harbor after maritime incident.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\" loading=\"lazy\" decoding=\"async\"\/><\/figure>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Not sure what your next step is?<\/h3><p class=\"wp-block-paragraph\">Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n<h2>The Three Insurance Claim Payment Deadlines in Florida<\/h2>\n<h3>First: The 7-Day Acknowledgment<\/h3>\n<p>Your insurer must contact you within 7 days of receiving your claim. This confirms your claim is logged and officially begins the process.<\/p>\n<p>The acknowledgment must include:<\/p>\n<ul>\n<li>Your claim number<\/li>\n<li>Your adjuster&#8217;s name and direct contact information<\/li>\n<li>A description of your claim as the insurer understands it<\/li>\n<li>Information about what happens next<\/li>\n<\/ul>\n<p><strong>Why this matters:<\/strong> A prompt acknowledgment is not a promise to pay. It is a procedural requirement. If your insurer ignores this deadline, it signals a potential problem and may violate Florida law.<\/p>\n<h3>Second: The 90-Day Decision Deadline<\/h3>\n<p>After receiving your complete claim, the insurer has up to 90 days to approve or deny it.<\/p>\n<p><strong>What counts as &#8220;complete&#8221;?<\/strong><\/p>\n<ul>\n<li>Vehicle damage: repair estimates, photos, proof of ownership, police report (if applicable)<\/li>\n<li>Medical claims: medical records, bills, proof of treatment, documentation of how the injury was caused<\/li>\n<li>Liability disputes: police report, witness statements, evidence of fault<\/li>\n<\/ul>\n<p>Straightforward claims often decide within 2 to 4 weeks. Complex claims involving serious injuries, multiple vehicles, ongoing investigations, or disputed fault may take the full 90 days.<\/p>\n<p><strong>Critical distinction:<\/strong> The 90-day deadline is for the <em>decision<\/em>, not payment. An insurer can approve your claim on day 89, then take additional time to process and send payment.<\/p>\n<h3>Third: Payment After Approval: &#8220;Without Unreasonable Delay&#8221;<\/h3>\n<p>Most approved claims are paid within 10 to 30 days, depending on:<\/p>\n<ul>\n<li>Claim complexity<\/li>\n<li>Insurer&#8217;s internal procedures<\/li>\n<li>Payment method (check, electronic transfer, etc.)<\/li>\n<li>Multiple types of damage or multiple payees<\/li>\n<\/ul>\n<p>The insurer must inform you of the payment method and expected delivery date. If payment will be delayed, the insurer must provide a payment schedule.<\/p>\n<p><strong>What &#8220;without unreasonable delay&#8221; means:<\/strong> Courts have found 30 to 45-day delays reasonable in some cases. Delays of several months with no explanation may cross into bad faith.<\/p>\n<h2>Legitimate Reasons for Delays<\/h2>\n<p>Not every delay violates the law. Common legitimate reasons include:<\/p>\n<ul>\n<li><strong>Incomplete documentation:<\/strong> Missing medical records, repair estimates, or police reports you must provide<\/li>\n<li><strong>Ongoing investigation:<\/strong> Gathering facts about liability, how the injury was caused, or the extent of damages<\/li>\n<li><strong>Disputes over fault or coverage:<\/strong> Questions about whether the accident is covered or who was responsible<\/li>\n<li><strong>Third-party involvement:<\/strong> Coordination with another driver&#8217;s insurer or subrogation claims (when the insurer pursues recovery from a third party)<\/li>\n<li><strong>Supplemental claims:<\/strong> New damages discovered after the initial claim<\/li>\n<\/ul>\n<p>These do not necessarily mean bad faith. However, if delays persist without explanation or communication stops, the situation may become unlawful.<\/p>\n<h2>Supplemental Claims: Timeline Restarts<\/h2>\n<p>A supplemental claim is filed when new damages are discovered after the initial claim. Examples include:<\/p>\n<ul>\n<li>You initially claimed vehicle damage but later discovered injuries requiring medical treatment<\/li>\n<li>You filed for immediate medical expenses, but weeks later your doctor recommends surgery<\/li>\n<li>You filed a homeowners claim for roof damage, but inspection reveals hidden structural damage<\/li>\n<\/ul>\n<p>Multiple supplemental claims can significantly extend the overall settlement timeline.<\/p>\n<p><strong>Protect yourself:<\/strong> Discuss with your adjuster whether new damages should have been included in the original claim (no restart) or require a separate filing. Get this clarification in writing.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Have questions about what happened?<\/h3><p class=\"wp-block-paragraph\">Ask our team directly. The first conversation is free, confidential, and there is no obligation to continue.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Talk to our team<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Talk to our team<\/a><\/div><\/div>\n<\/div>\n<h2>Red Flags: Recognizing Bad Faith<\/h2>\n<p>Bad faith occurs when an insurer acts dishonestly or unreasonably to avoid paying a valid claim. Red flags include:<\/p>\n<ul>\n<li>Refusing to acknowledge your claim after 7 days without explanation<\/li>\n<li>Failing to decide within 90 days with no reason given<\/li>\n<li>Denying your claim without reasonable investigation<\/li>\n<li>Ignoring your requests for updates for weeks<\/li>\n<li>Misrepresenting policy terms to justify denial<\/li>\n<li>Offering significantly less than documented damages without explanation<\/li>\n<li>Delaying payment indefinitely after approval<\/li>\n<li>Requesting the same information repeatedly or unnecessary information<\/li>\n<li>Refusing to put decisions in writing<\/li>\n<\/ul>\n<p><strong>Document everything immediately:<\/strong> dates, times, representative names, and copies of all written communication. This paper trail is essential if you later need to file a complaint or pursue legal action.<\/p>\n<h2>Protecting Yourself: Documentation and Written Communication<\/h2>\n<p><strong>Document all communication.<\/strong> Keep records of every phone call, email, and letter. For calls, note the date, time, representative&#8217;s name, and what was discussed. Follow up with an email: &#8220;This confirms our call on [date] with [name], who said [summary]. Please confirm if this is accurate.&#8221;<\/p>\n<p><strong>Send written requests.<\/strong> Use email or certified mail to request updates. Written communication creates a paper trail proving you reached out and when.<\/p>\n<p><strong>Request deadlines in writing.<\/strong> Ask the insurer to confirm the 90-day decision deadline in writing.<\/p>\n<p><strong>Keep copies of everything.<\/strong> Maintain a file with your claim, all correspondence, medical records, repair estimates, and insurer communication.<\/p>\n<p><strong>Review your policy.<\/strong> Confirm your accident is covered. Misunderstandings about coverage are common and can explain delays.<\/p>\n<h2>What to Do If Your Insurer Misses Deadlines or Acts in Bad Faith<\/h2>\n<p><strong>File a complaint with the Florida Department of Financial Services.<\/strong> The <a href=\"https:\/\/www.floir.com\/\">Florida Department of Financial Services (FLDFS)<\/a> accepts complaints when insurers miss statutory deadlines or appear to act in bad faith. Filing creates an official record, triggers investigation, and may prompt action. The FLDFS can impose penalties on insurers that violate <a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.70131.html\">Fla. Stat. 627.70131<\/a>.<\/p>\n<p><strong>Consult an attorney.<\/strong> If the delay or denial seems unreasonable or intentional, an attorney can review your claim, policy, and insurer conduct to determine whether you have grounds for a bad-faith lawsuit. A bad-faith claim can result in damages beyond the original amount, including attorney fees, court costs, and sometimes punitive damages.<\/p>\n<p><strong>Consider a bad-faith lawsuit.<\/strong> If insurer conduct is egregious, you may have grounds to sue for bad faith, separate from the underlying claim. Bad-faith lawsuits require evidence of intentional or reckless disregard for your rights, but they can be powerful tools when the insurer acts dishonestly.<\/p>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/10\/injured-foot-in-cast-resting-on-wheelchair-photo.jpg\" alt=\"Injured foot in cast resting on wheelchair.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\" loading=\"lazy\" decoding=\"async\"\/><\/figure>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Want to know where you stand?<\/h3><p class=\"wp-block-paragraph\">Tell us what happened and our team will walk you through the options available to you, at no cost.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free review<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free review<\/a><\/div><\/div>\n<\/div>\n<h2>Frequently Asked Questions<\/h2><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the 90-day rule in Florida insurance?<\/summary><p>The 90-day rule requires insurers to approve or deny a claim within 90 days of receiving all necessary information. This is the decision deadline, not the payment deadline. An insurer can approve your claim on day 89 and then take additional time to process and send payment.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I sue my insurance company for delaying my claim in Florida?<\/summary><p>Yes, if the insurer violates statutory deadlines or acts in bad faith, you may have grounds for a bad-faith lawsuit. Bad-faith claims can result in damages beyond the original amount, including attorney fees and court costs.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>What should I do if my insurance company misses the 90-day deadline?<\/summary><p>Document the delay, send written requests for an update, and file a complaint with the Florida Department of Financial Services if the insurer offers no explanation. Consult an attorney if the delay persists.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>How long after claim approval should I receive payment?<\/summary><p>Florida law does not specify an exact timeline, but most approved claims are paid within 10 to 30 days. The insurer must inform you if there will be any delay and provide a payment schedule.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>What is a supplemental claim?<\/summary><p>A supplemental claim is filed when new damages are discovered after the initial claim. Each supplemental claim may restart the 90-day decision deadline, extending the overall settlement timeline.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>What is bad faith in insurance?<\/summary><p>Bad faith occurs when an insurer acts dishonestly or unreasonably to avoid paying a valid claim. Examples include refusing to acknowledge a claim, denying a claim without investigation, or delaying payment indefinitely after approval.<\/p><\/details><hr \/>\n<p>If your insurance claim has been delayed, denied, or you suspect your insurer isn&#8217;t following Florida&#8217;s legal deadlines, you have options. Many people in your situation need to understand what comes next. <a href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free case evaluation<\/a> to discuss what happened and what remedies may be available to you.<\/p>\n<p>For more information on how we help with insurance matters, visit our pages on insurance claims, homeowners insurance claims, and auto insurance claims.<\/p>\n\n<\/article>\n<footer class=\"disclaimer\"><em>This is attorney advertising. The information provided is for general informational purposes only and is not legal advice. Prior results do not guarantee a similar outcome, and contacting the firm does not create an attorney-client relationship.<\/em><\/footer>\n\n\n<div class=\"wp-block-group alignfull has-surface-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">Florida&#x27;s Insurance Payment Rules<\/h2>\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">The 90-Day Decision Rule<\/h3><p class=\"wp-block-paragraph\">This is the decision deadline\u2014not the payment deadline. An insurer can approve your claim and then take additional time to process and send the actual payment.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Payment After Approval<\/h3><p class=\"wp-block-paragraph\">Once your claim is approved, the insurer must pay within a reasonable time. Florida law does not set a specific number of days for payment after approval, but &#x27;reasonable&#x27; typically means days to weeks, not months. Unreasonable delays can be grounds for a complaint.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">What Counts as &#x27;All Information&#x27;<\/h3><p class=\"wp-block-paragraph\">The 90-day clock starts when the insurer has everything needed to make a decision. If you&#x27;re missing documents, medical records, or other evidence, the clock may not start until you provide them. Always confirm with your insurer what information they need.<\/p><\/div><\/div><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Partial Payments<\/h3><p class=\"wp-block-paragraph\">Insurers may offer partial payments while investigating other parts of your claim. You don&#x27;t have to wait for the entire claim to be resolved to receive money for damages the insurer has already approved.<\/p><\/div><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Delays and Denials Are Not Always Your Fault<\/h3><p class=\"wp-block-paragraph\">Don&#x27;t assume a delay is normal\u2014get clarity on why it&#x27;s happening.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Speak with a lawyer about your claim<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Speak with a lawyer about your claim<\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">What You Should Do<\/h2>\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--document\"><\/span><\/p><h3 class=\"wp-block-heading\">Document Everything<\/h3><p class=\"wp-block-paragraph\">Keep copies of all correspondence with your insurer, including emails, letters, and claim numbers. Record the dates you submitted documents and any promises made about payment timelines.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--clock\"><\/span><\/p><h3 class=\"wp-block-heading\">Track the Timeline<\/h3><p class=\"wp-block-paragraph\">Note the date your claim was filed and when the insurer received all required information. If 90 days pass without a decision, or if payment is unreasonably delayed after approval, that&#x27;s a red flag.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--phone\"><\/span><\/p><h3 class=\"wp-block-heading\">Follow Up in Writing<\/h3><p class=\"wp-block-paragraph\">Don&#x27;t rely on phone calls alone. Send emails asking for updates on your claim status and requesting confirmation of payment timelines. Written communication creates a record.<\/p><\/div><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--info\"><\/span><\/p><h3 class=\"wp-block-heading\">Understand Your Policy<\/h3><p class=\"wp-block-paragraph\">Review your insurance policy to understand what&#x27;s covered and what deadlines or conditions apply. If the insurer&#x27;s actions seem to violate the policy, that matters.<\/p><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-base-color has-primary-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4d466591 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--primary,#20242e);color:var(--wp--preset--color--base,#ffffff);padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center has-base-color has-text-color\">Your Claim Is Taking Too Long\u2014Let Us Help<\/h2>\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-0aa01211 wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Contact CHG Personal Injury Lawyers for a free case evaluation<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Contact CHG Personal Injury Lawyers for a free case evaluation<\/a><\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\">Related practice areas<\/h2><ul class=\"wp-block-list\"><li><a href=\"\/resources\/car-accident-settlements-florida\/\">Car Accident Settlements in Florida: What Your Case May Be Worth<\/a><\/li><\/ul>\n<!-- chg:section-siblings -->\n<nav aria-label=\"More in this section\">\n<h2>More in this section<\/h2>\n<ul><li><a href=\"\/resources\/car-accident-settlements-florida\/how-long-does-car-accident-ptsd-last\/\">How long does car accident PTSD last?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-long-does-it-take-to-get-pain-and-suffering-money\/\">How long does it take to get pain and suffering money?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-long-does-it-take-to-settle-a-minor-car-accident\/\">How long does it take to settle a minor car accident?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-long-does-it-usually-take-to-settle-a-car-accident-settlement\/\">How long does it usually take to settle a car accident settlement?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-long-does-lower-back-pain-last-after-a-car-accident\/\">How long does lower back pain last after a car accident?<\/a><\/li><\/ul>\n<\/nav>\n<!-- \/chg:section-siblings -->","protected":false},"excerpt":{"rendered":"<p>Florida insurers must acknowledge claims in 7 days, decide within 90 days, then pay without unreasonable delay. Learn the deadlines, red flags, and your rights.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":39266,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"chg_review":"","chg_sendback":"","chg_canonical":"","chg_lang":"","chg_hreflang":"[{\"hreflang\": \"en\", \"href\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/how-long-does-an-insurance-company-have-to-pay-a-claim-in-florida\/\"}, {\"hreflang\": \"es\", \"href\": \"https:\/\/chglawyers.com\/resources\/es\/liquidacion-accidentes-autos-florida\/plazo-pago-reclamacion-aseguradora-florida\/\"}, {\"hreflang\": \"x-default\", \"href\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/how-long-does-an-insurance-company-have-to-pay-a-claim-in-florida\/\"}]","chg_jsonld":"[{\"author\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/chglawyers.com\/resources\/#organization\", \"name\": \"CHG Personal Injury Lawyers\", \"url\": \"https:\/\/chglawyers.com\/\"}, \"@context\": \"https:\/\/schema.org\", \"headline\": \"How Long Does an Insurance Company Have to Pay a Claim in Florida?\", \"publisher\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/chglawyers.com\/resources\/#organization\", \"name\": \"CHG Personal Injury Lawyers\", \"url\": \"https:\/\/chglawyers.com\/\"}, \"speakable\": {\"@type\": \"SpeakableSpecification\", \"cssSelector\": [\"article > p:first-of-type\", \".wp-block-details p\", \"article > h1\"]}, \"areaServed\": {\"name\": \"Florida\", \"@type\": \"State\"}, \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"What is the 90-day rule in Florida insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The 90-day rule requires insurers to approve or deny a claim within 90 days of receiving all necessary information. This is the decision deadline, not the payment deadline. An insurer can approve your claim on day 89 and then take additional time to process and send payment.\"}}, {\"@type\": \"Question\", \"name\": \"Can I sue my insurance company for delaying my claim in Florida?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, if the insurer violates statutory deadlines or acts in bad faith, you may have grounds for a bad-faith lawsuit. Bad-faith claims can result in damages beyond the original amount, including attorney fees and court costs.\"}}, {\"@type\": \"Question\", \"name\": \"What should I do if my insurance company misses the 90-day deadline?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Document the delay, send written requests for an update, and file a complaint with the Florida Department of Financial Services if the insurer offers no explanation. 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Learn the deadlines, red flags, and your rights.","footnotes":""},"class_list":["post-61162","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/pages\/61162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/comments?post=61162"}],"version-history":[{"count":6,"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/pages\/61162\/revisions"}],"predecessor-version":[{"id":71344,"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/pages\/61162\/revisions\/71344"}],"up":[{"embeddable":true,"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/pages\/39266"}],"wp:attachment":[{"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/media?parent=61162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}