Jeff Martin Law
918-728-8888

Claim Delay Checklist​

Call (918) 728-8888 for a Free Consultation
Sí, Hablamos Español

Signs Your Insurance Claim May Be Mishandled

Insurance claims can take time, but unreasonable delays, repeated roadblocks, or poor communication may be warning signs that something is wrong. Use this checklist to help identify issues that may need closer attention.

Communication Red Flags

  • Calls or emails are not being returned
  • Long gaps with no updates
  • Inspection happened, but no decision followed
  • Different adjusters keep taking over the claim
  • No clear explanation of next steps
  • Requests for information are vague or constantly changing
  • You are unable to reach anyone with authority to help

Timeline Red Flags

  • Weeks have passed with little or no progress
  • Inspection happened, but no decision followed
  • Payment was promised but never issued
  • Reinspection was scheduled repeatedly without resolution
  • Deadlines come and go with no action
  • Claim status remains “under review” with no explanation

Documentation Red Flags

  • The same documents are requested more than once
  • Submitted estimates are being ignored
  • Photos or evidence were provided but not addressed
  • Important damage was left out of the estimate
  • Additional information keeps being requested without progress

Settlement Red Flags

  • The offer seems far below actual repair costs
  • Coverage was reduced without a clear reason
  • You were pressured to accept quickly
  • Partial payment was issued with no explanation
  • The insurer refuses to explain how numbers were calculated

Claim Handling Red Flags

  • Obvious damage was minimized or dismissed
  • The insurer denied the claim without a full investigation
  • Policy language is being quoted without clear context
  • Different answers are given by different representatives
  • The process feels designed to wear you down

What To Do Next

1

Keep Records

Save emails, letters, photos, estimates, and notes from calls.


2

Ask For Written Explanations

Request written reasons for delays, denials, or reduced payments.

3

Track Dates

Keep a timeline of inspections, communications, and promises made.


4

Review Your Options

If the delay feels unreasonable or the process seems unfair, it may be time to seek guidance.

Need Help Reviewing A Delayed Claim?

The Law Offices of Jeff Martin helps Oklahoma policyholders facing claim delays, underpayments, denials, and unfair insurance practices.

Call (918) 728-8888 to Request a FREE Review
Translate »