Insurance claim delayed: what to do

Have this ready

• claim number
• dates of each contact
• documents you sent

Steps for any company

1. Ask in writing for the claim status and the list of documents the insurer still needs.

2. If the insurer still does not act, complain to the state insurance department.

A company playbook below replaces these generic steps with the company’s own forms, phone numbers and deadlines.

Company playbooks (9)

• AllstateTrack the claim and message the claims contact in MyClaim, then call the claims line, then the state.
• American Family InsuranceTrack the claim in My Account, call 1-800-MYAMFAM, then use Consumer Affairs.
• Farmers InsuranceFind the assigned representative, upload what is missing, then escalate.
• GEICOUse the claim portal to reach the adjuster, then call the claims line and escalate to a supervisor and the state.
• Liberty MutualTrack the claim online, call claims support, then the state insurance department.
• NationwideFind the claims associate online or by phone, then escalate to Customer Relations.
• ProgressiveCheck the claim online, call the claims line, and escalate to a manager and the state.
• State FarmUse the claim portal to see the status and message the handler, then escalate by phone and to the state.
• TravelersCheck status online or by phone, upload what is missing, then use Customer Advocacy.

Guides

• Auto, home and renters insurance — how complaints work
• Health insurance — how complaints work