When you have property damage and your insurance company is not responding, waiting without knowing what is happening can be frustrating. You may have already reported the loss, allowed an inspection, submitted documents, and followed up several times. Still, you may be dealing with an insurance adjuster not returning calls, a no response from insurance company situation, or simply an insurance claim with no update.
At piccfla.com, we help Florida property owners understand where their claims stand and what steps may help move the process forward. Our role as public adjusters is to represent the policyholder during the property insurance claim process. That can include inspecting the property, documenting damage, reviewing claim information, preparing estimates, communicating about the claim, and negotiating with the insurance company.
Silence does not automatically mean that an insurance company has violated the law or that your claim will be denied. Claims can require investigation, inspections, estimates, supporting documents, and coverage review. However, Florida also establishes important timelines for certain residential property insurance claims.
The key is knowing when to follow up, what to document, and when additional help may be appropriate.
How Long Should You Wait When an Insurance Company Is Not Responding?
If you have made a claim-related communication and received nothing back, start by looking at when you contacted the insurance company and what you sent.
For residential property claims covered by Florida’s current claim-handling statute, an insurer generally must review and acknowledge receipt of a claim-related communication within 7 calendar days, unless payment is made during that period or circumstances beyond the insurer’s control prevent acknowledgment.
There is also an important distinction between acknowledging a communication and resolving a claim.
For qualifying residential property claims, an insurer generally must pay or deny an initial, reopened, or supplemental property insurance claim, or a portion of the claim, within 60 days after receiving notice of the claim, unless an applicable statutory exception applies.
Our guide explaining how long a home insurance claim can take in Florida provides additional information about how these timelines fit into the broader claims process.
A claim taking several weeks does not necessarily mean something is wrong. The complexity of the damage, available documentation, inspections, requests for information, disputes, and other circumstances may affect the timeline.
What Should You Do First When There Is No Response From the Insurance Company?
When there is no response from the insurance company, your first step should be organisation rather than repeatedly calling without keeping records.
Create a clear claim file that includes:
- Your insurance policy
- Claim number
- Date of loss
- Date the claim was reported
- Photographs and videos of the damage
- Inspection records
- Estimates and invoices
- Proof of loss documents, if applicable
- Emails and letters
- Dates and times of phone calls
- Names of the people you communicated with
- Requests for additional information
- Documents you submitted in response
- Any estimates or coverage letters you received
Our property insurance claim process guide explains why documenting the loss and staying involved throughout the claim are important.
Good records make it much easier to determine whether the claim is simply being investigated or whether communications are becoming unusually delayed.
How Should You Follow Up When the Insurance Adjuster Is Not Returning Calls?
If your insurance adjuster is not returning calls, consider putting your follow-up in writing.
A written message creates a record showing:
- When you contacted the insurer
- What information you requested
- What documents you have already supplied
- What question remains unanswered
- Whether you asked for a claim status update
Keep the message professional and specific.
Instead of simply asking, “What is happening with my claim?” identify exactly what you need to know. For example, you may ask whether the inspection has been completed, whether additional documents are required, whether an estimate has been prepared, or whether the claim remains under investigation.
Our guide on what happens after an insurance adjuster inspects your home can help you understand what may happen after the initial property inspection.
Why Might Your Insurance Claim Have No Update?
An insurance claim with no update can happen for several reasons, and a lack of communication alone does not tell you what the final decision will be.
The insurance company may still be:
- Reviewing coverage
- Evaluating photographs or inspection findings
- Preparing an estimate
- Waiting for requested information
- Reviewing a proof of loss
- Evaluating repair costs
- Investigating the cause of damage
- Comparing documentation with policy provisions
- Reviewing newly reported or additional damage
One of the most important things you can do is confirm whether the insurance company requested something from you.
Florida’s statutory claim timelines can be affected in certain circumstances when material claim information requested by the insurer is not provided within the applicable timeframe. That makes it important to read every request carefully and respond promptly when appropriate.
If you received a formal proof of loss request, our guide to proof of loss requirements explains why the policy, written request, and claim circumstances should be reviewed carefully.
How Can Better Documentation Help Move an Insurance Claim Forward?
Property claims are built around evidence.
When we help policyholders at piccfla.com, we focus heavily on documenting the actual condition of the property and presenting the loss clearly.
Depending on the claim, useful documentation may include photographs, videos, repair estimates, damaged-property inventories, invoices, inspection information, and other records showing what happened and what was affected.
Our overview of property damage insurance claims explains how documentation can differ depending on whether a loss involves water, roofing, fire, storms, theft, vandalism, mold, or another type of property damage.
Do not assume the initial inspection captured everything.
Some damage may not be immediately visible. Water may affect concealed materials. Roof damage may contribute to later interior moisture. Repair work can sometimes reveal additional damage that was not apparent during the original inspection.
Continue documenting significant changes as the claim progresses.
What Should You Do If the Insurance Company Finally Sends an Estimate?
Getting a response does not necessarily mean the claim process is finished.
If you receive an estimate after a long period with no update, review it carefully before assuming it accurately reflects the entire loss.
Look at:
- The areas of damage included
- Repair operations
- Material quantities
- Labour quantities
- Deductibles
- Depreciation
- Missing property
- Additional damage discovered after inspection
- Differences between documented damage and the estimate
Our guide explaining how to read an insurance claim estimate covers these issues in greater detail.
A payment or estimate should be evaluated against the documented loss and the applicable policy. A difference between what you expected and what was estimated does not automatically mean additional money is owed, but it may justify a closer review of the claim.
What Can You Do If Additional Damage Is Found While You Are Waiting?
Sometimes an insurance company is still reviewing the original claim when additional damage becomes apparent.
Do not ignore it simply because the first inspection has already happened.
Take photographs and videos, keep repair-related records, and determine whether the additional damage relates to the same loss.
In appropriate circumstances, additional covered damage or repair costs may need to be presented through a supplemental claim. Our guide to supplemental insurance claims in Florida explains how additional damage from the same loss may be documented and presented.
Timing matters. Under current Florida law, notice of a supplemental property insurance claim generally must be provided within 18 months after the date of loss, subject to the applicable statute, policy terms, and circumstances.
When Should You Consider Getting Help With an Unresponsive Insurance Claim?
You do not necessarily need to wait for a denial before asking someone to review your property claim.
At piccfla.com, we encourage property owners to consider getting help when:
- The claim has become difficult to manage
- You do not understand what the insurance company needs
- An insurance adjuster is not returning calls
- Important damage appears to be missing
- You cannot understand the insurer’s estimate
- You disagree with the documented repair scope
- Additional damage has appeared
- The claim appears underpaid
- The claim has been denied
- You are unsure what documentation should be provided
Our residential insurance claims resource explains how we assist Florida property owners throughout the claim process.
The goal is not simply to make more phone calls. We want the claim to be properly inspected, documented, presented, and supported.
How Can We Help When the Insurance Company Is Not Responding?
When you work with us at piccfla.com, we represent you as the policyholder rather than the insurance company.
Depending on the circumstances of the claim, our public adjusting services can include:
- Inspecting the damaged property
- Reviewing existing claim information
- Examining available policy information
- Documenting the extent of the loss
- Preparing supporting estimates when appropriate
- Organising claim documentation
- Communicating regarding the property claim
- Negotiating based on the documented loss
- Reviewing underpaid or denied property claims
If a claim eventually results in a denial, our guide explaining what to do when a homeowners insurance claim is denied in Florida discusses why a denial should be reviewed against the policy, inspection findings, supporting evidence, and documented property damage.
Our purpose is to help make the claims process clearer while presenting the property loss from the policyholder’s perspective.
What Should You Avoid Doing While Waiting for an Insurance Response?
When communication becomes difficult, frustration can lead to mistakes.
Try to avoid:
- Throwing away damaged items before properly documenting them
- Ignoring written requests for information
- Missing policy or claim deadlines
- Guessing about the amount of damage
- Providing inaccurate information
- Signing documents you do not understand
- Assuming an initial inspection identified all damage
- Assuming the first estimate must be the final amount
- Allowing additional property damage to continue unnecessarily
- Losing records of claim communications
You should also take reasonable steps to protect the property from additional damage when it is safe to do so.
Our broader insurance claim process overview explains the importance of protecting the property, documenting the damage, working through the inspection process, and maintaining claim records through resolution.
What Should You Remember When Your Insurance Company Stops Responding?
When your insurance company is not responding, do not assume silence means the claim has automatically been denied, approved, or abandoned.
Start with the facts.
Confirm when the claim was reported. Review your communications. Determine what documents have been requested. Keep records of every follow-up. Document changes to the property. Review estimates and claim correspondence carefully.
Florida law establishes specific communication and decision timelines for applicable residential property insurance claims, but exceptions and tolling provisions can apply. Your policy and the individual facts surrounding the loss still matter.
If you have an insurance claim with no update, are receiving no response from the insurance company, or have an insurance adjuster not returning calls, we can review where the property claim currently stands and determine how our public adjusting services may help.
At piccfla.com, our focus is helping Florida property owners document, assess, present, and negotiate property insurance claims from the policyholder’s side.
Which Organizations Support These Florida Claim Timelines?
Works Cited
Florida Department of Financial Services, Division of Consumer Services. “Homeowners Insurance Overview.” Florida Department of Financial Services. Accessed 3 Sept. 2026. Homeowners Insurance Overview.
Florida Legislature. “Florida Statutes, Section 627.70131: Insurer’s Duty to Acknowledge Communications Regarding Claims; Investigation.” The 2026 Florida Statutes, 2026. Accessed 3 Sept. 2026. Florida Statutes Section 627.70131.
