Understanding insurance delays, bad faith, and what you can do when the waiting never ends
When disaster strikes, filing an insurance claim should bring peace of mind. But for many Washington business owners and property holders, that peace is short-lived. Days turn into weeks. Phone calls go unanswered. Documents are marked “under review,” yet nothing moves forward.
If this sounds familiar, you are not alone—and you are not powerless.
At Bastion Law, we help Washington clients hold insurance companies accountable when their claims are delayed without good reason. Here’s what you need to know if you feel stuck waiting for the payout you were promised.
How Long Should It Take for an Insurance Company to Respond?
Washington law requires insurance companies to act promptly and fairly. That includes:
- Acknowledging your claim within a reasonable time
- Conducting a timely investigation
- Issuing a clear decision, whether that’s an approval or denial
While timelines may vary based on the complexity of the claim, long delays without communication or justification could violate Washington’s Insurance Fair Conduct Act (IFCA) or other consumer protection laws.
Common Delay Tactics to Watch For
Insurance companies rarely come right out and say “no.” Instead, they may stall, hoping you’ll give up or accept a lower payout. Common red flags include:
- Repeated claims that your paperwork is still under review
- Multiple requests for the same documents
- Switching adjusters without notice or explanation
- Vague updates that never lead to progress
- Delaying inspections or evaluations for no clear reason
These delays create real stress, especially for business owners, landlords, and homeowners who are managing urgent repairs or financial losses.
What Are Your Legal Rights?
In Washington, insurers must treat policyholders fairly. If they don’t, you may have a claim for bad faith.
Insurers are required to:
- Investigate and communicate honestly
- Pay valid claims in a timely manner
- Provide written explanations for denials or delays
- Avoid misrepresenting facts or policy terms
If these standards aren’t met, you may be entitled to additional compensation. Bastion Law can help you determine whether the delay is more than just frustrating—it might be unlawful.
What You Can Do Right Now
1. Keep Detailed Records
Track all communication with your insurer. Save emails, document phone calls, and keep copies of every form or request. A detailed paper trail can strengthen your case.
2. Ask for a Written Update
Send a written request asking for the status of your claim. Be direct. If your insurer avoids providing clear information or timelines, that can be a warning sign.
3. Review Your Policy
Look carefully at your policy’s coverage terms and timelines. If anything is unclear or confusing, we can help make sense of it.
4. Get Legal Help Early
You do not need to wait for a formal denial. Delays themselves may justify legal action. Early support can help move things forward—and put pressure on the insurer to act in good faith.
How Bastion Law Can Help
At Bastion Law, we represent Washington policyholders who are tired of being ignored. We understand how insurance delays can affect your bottom line and your peace of mind. Our team knows the tactics insurers use, and we know how to push back effectively.
We begin by reviewing your policy and correspondence. If the delay violates your rights, we act quickly to recover what you’re owed—and hold the insurer accountable for the harm they’ve caused.
Stop Waiting. Start Moving Forward.
Every day without progress is a day your business or property remains vulnerable. If your claim is stuck, don’t keep waiting and hoping things will change.
Contact Bastion Law today for a free consultation.
We’ll help you understand your rights and take the next step with confidence.