How Long Does An Insurance Company Have To Investigate A Claim? You want your claim to be resolved quickly if you have a claim against your home, car, or health insurance company. There are laws that require insurance companies to resolve claims within a reasonable amount of time. Although the exact timeframe will vary depending on the type of insurance you have, it is important that insurers are fair and responsive when handling claims. These are the general timelines for how to settle insurance claims. In Florida, insurers must adhere to three timelines. These are: After the claim has been filed, you have 14 days to respond. Your insurance company usually has 14 days to reach out to you if you are unable to talk with an agent. Sometimes insurance companies will pay small claims in the 14-day time frame. This means that acknowledgment of your claim may not be necessary. After the claim has been received, they have 90 days for a decision. In Florida, most insurance companies must respond within 90 days to all claims. If you have not received a notice stating whether your claim has been approved or denied, contact an attorney who specializes on insurance disputes in Florida. After approval, the insurance company has 20 days to pay your claim. It's best to not let it get to this point. Consult with Beharry Law upfront to make sure your insurance company will pay compensation on your claim. Book a FREE consultation with our firm now.