Insurance Delay and

Stalling Tactics Guide

Insurance tactics used to delay claims in hopes you will quit & go away

Insurance Delay and Stalling Tactics Guide

Slow responses, endless reviews, and missing callbacks are not just annoying. They are tactics that save the insurance company money. Time pressure pushes people to accept less than the claim is worth. This guide explains common delay tactics and what you can do about them.

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Common Delay and Stalling Questions

Why is it taking so long for an adjuster to contact me

Delaying first contact gives the insurer more control over the pace of your claim. Many people give up or stop pushing when the process moves slowly.

EstiVerify helps you understand what should have happened by now and what to say when you call them back.

Why did they tell me to wait for an inspection but never schedule it

This is a classic stall. They say an inspection is coming, but nothing is booked. Meanwhile your car sits and you burn through rental days or go without a car.

EstiVerify explains typical timelines so you know when to escalate.

Why did they offer a quick small payout instead of starting the real claim

Quick low payouts are cheaper than full repairs. Many people accept fast money and never learn what the repair should really cost.

EstiVerify compares the quick offer to real repair costs so you know what you are giving up.

Why is the photo estimate taking so long to come back

Photo estimates are advertised as fast, but they are often slow when the insurer is busy or wants to slow the claim.

EstiVerify can review any photo estimate you receive and show what is missing.

Why do they keep saying my claim is still being set up

Claim setup should not take long. If they stay in setup mode for days, it is usually a delay tactic or a sign that no one has picked up your file.

EstiVerify gives you the language to push for real movement instead of vague status updates.

Why is the adjuster not returning my calls or emails

Adjusters handle many files. Some simply do not prioritize your claim. Others use silence to slow down supplements and rental extensions.

EstiVerify helps you decide when to request a supervisor and what to say.

Why do I keep getting voicemail and no call back

When you cannot get live answers, the insurer controls the clock. Every day of silence helps them more than it helps you.

EstiVerify explains what timelines are reasonable so you know when to push harder.

Why do they reply with short vague emails that do not answer my questions

Vague answers keep things unclear. If nothing is clearly promised, nothing has to be delivered on time.

EstiVerify helps you ask direct questions that are harder to dodge.

Why did the adjuster disappear after sending the first estimate

After the first estimate, the insurer has given you a number to react to. Staying quiet often discourages people from asking for corrections or supplements.

EstiVerify identifies where that first estimate is light so you know exactly what to challenge.

Why does every call end with them saying they will get back to me later

Later is not a real timeline. It keeps you waiting without any commitment on their side.

EstiVerify gives you better follow up questions so the next call moves the claim forward.

Why do they keep saying the claim is under review

Review can mean anything. Sometimes it is real. Sometimes it is a stall word that covers up inactivity.

EstiVerify helps you figure out whether anything is actually happening on your file.

Why do they say a supervisor has to sign off but it sits there for days

Supervisor review is a bottleneck in many claim offices. Files can sit waiting for approval with no progress made.

EstiVerify gives you reasonable time frames so you know when to call back and push.

Why do they say they are waiting on another department

Blaming another department is a common way to avoid responsibility. It makes you feel like there is nothing they can do.

EstiVerify helps you understand what each department really does so you can ask better questions.

Why does every change on my estimate take days to approve

Slow approval is a pressure tactic. While they delay, you are without a car, using your own time, or paying out of pocket.

EstiVerify highlights which added items are routine so you can ask why they are taking so long.

Why are they reviewing the same thing over and over

Repeated review without a decision usually means they do not want to commit to a higher payout.

EstiVerify gives you talking points that focus on facts, not feelings, so they have less room to stall.

Why do they keep asking for more documents

Some document requests are valid. Others are busy work that slows the claim and wears you out.

EstiVerify helps you see which requests are normal and which feel like stalling.

Why did I already send photos and they are asking for more

Requesting more photos can be necessary for clarity. It can also be used to avoid making a decision.

EstiVerify reviews your estimate and photos to help you respond with what really matters.

Why do they say they did not receive my documents

Lost documents are a very common stall point. It resets the clock every time you resend.

EstiVerify suggests better ways to send and track what you send so you have proof.

Why do they want paperwork that has nothing to do with the damage

Extra paperwork can be used to slow the claim and reduce the number of people who follow through.

EstiVerify helps you understand what is required for the repair side versus what is just noise.

Why did they send long forms that are hard to understand

Confusing forms discourage people from asking questions or pushing back. Most people sign just to move on.

EstiVerify explains your estimate in normal language so you know what you are agreeing to.

How do delays help the insurance company

Delays reduce payouts. The longer the process drags out, the more likely you are to accept a low number, stop asking questions, or pay costs yourself.

EstiVerify shows how missing items on your estimate line up with these delay patterns.

How do delays affect my rental coverage

Rental coverage often has limits by day or dollar amount. Every day they stall uses up your rental while nothing moves forward.

EstiVerify helps you see whether insurer delays are eating up your rental time.

How do delays affect my out of pocket costs

Delays can force you to pay for rental, storage, late fees, or extra trips to the shop.

EstiVerify shows how missing repairs or supplements can extend the timeline and cost you more.

How do delays affect the final payout

Many people settle early for less just to stop the stress. Slow tactics are designed to push you toward that decision.

EstiVerify gives you a clear view of what the repair should really cost so you do not settle blind.

Why does everything move fast once I accept their offer

Approval time drops to zero once you say yes. That should tell you who the slow pace was serving.

EstiVerify helps you understand the real numbers before you agree to anything final.

What can I do if my claim is stuck

You can follow up in writing, request a supervisor, ask for clear timelines, and document every call and promise.

EstiVerify helps you know what to ask for based on what is missing from your estimate.

Should I ask for everything in writing

Yes. Written communication creates a record. It is harder for anyone to deny what was said or promised.

EstiVerify helps you understand which parts of your claim need written confirmation.

Can I request a different adjuster if nothing is moving

Yes. You can request reassignment if an adjuster is not responding or not handling the claim properly.

EstiVerify gives you clear reasons you can mention when you ask for a new adjuster.

What should I track while the insurer stalls

Track dates, times, who you spoke with, what they said, and any promised deadlines. Track rental usage and shop delays caused by waiting on approval.

EstiVerify helps you connect those delays back to missing estimate items.

How do I make sure I am not losing money because of delays

You protect yourself by knowing what the repair should really cost before you give up or accept a low offer.

EstiVerify reviews your estimate and shows you what the insurer left off so you can decide your next move with clear numbers.

Delays Are A Tactic. Missing Money Is The Outcome.

When an insurance company drags its feet, it is rarely by accident. Slow claims push people into cheap settlements. EstiVerify reviews your estimate and shows you what is missing so you do not let delay tactics drain your payout.

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