Can They Do This Fifth Inspection?!
If you're frustrated by repeated inspections of your property damage claim, you are not alone. Many Florida homeowners find themselves dealing with multiple insurance inspections, leading to delays, confusion, and stress. But how many inspections are too many? And what can you do if your insurance company seems to be stalling? Let’s explore your rights as a policyholder and what you can do to protect yourself.
How Many Inspections Are Allowed?
Insurance companies have the right to inspect your property to assess the extent of the damage and determine an appropriate payout. The frequency of inspections depends on several factors, including:
Complexity of the claim – Larger, more complicated claims often require more inspections.
Disputes over the cause of damage – Conflicting reports may lead to further inspections.
Policy terms – Your insurance contract may outline how inspections should be conducted.
However, multiple inspections must be reasonable and conducted in good faith. If you believe your insurance company is using excessive inspections as a delay tactic, you have options.
Typical Inspection Timeline for a Loss Claim
Florida law under Florida Statute § 627.70131 does not set a specific limit on the number of inspections an insurance company can perform. However, insurers are expected to:
Begin investigating a claim within 14 days of receiving a proof-of-loss statement.
Provide an adjuster’s assistance and estimate within 7 days of an inspection request.
Act in good faith and avoid unnecessary delays.
The first inspection typically happens shortly after the claim is filed. If additional inspections are necessary, they should serve a legitimate purpose, such as verifying repairs or clarifying uncertainties. If you feel that inspections are excessive, legal action may be necessary.
How Do Multiple Inspections Impact the Claims Process?
Delays in Repairs and Resolution
Each inspection requires scheduling, delaying the overall claims process. Homeowners may experience prolonged disruption, especially if they must be present for each visit.
Conflicting Damage Assessments
Different inspectors may provide varying assessments, leading to disputes and further inspections. This can complicate the claim and require additional documentation.
Increased Stress for Homeowners
Multiple inspections add to the frustration of an already difficult situation. Homeowners waiting for repairs may find their lives in limbo while the insurance company continues its evaluations.
Potential Benefits of Multiple Inspections
While frustrating, additional inspections can sometimes work in your favor. They ensure all damage is documented and may lead to a more accurate and fair settlement.
Your Rights Regarding Property Inspections
Policyholders have several rights during the inspection process, including:
The right to know why inspections are being conducted and to receive prompt updates on findings.
The right to receive a detailed estimate within 7 days of an adjuster’s assistance.
The right to be present during inspections and ask questions about the process.
The right to challenge excessive inspections or delays under Florida property damage law.
The right to dispute findings and provide additional evidence if discrepancies arise.
What to Do If You Suspect Bad Faith Inspections
If your insurance company is repeatedly inspecting your property without clear justification, they may be acting in bad faith to delay or reduce your claim payout. In this case, consider taking these steps:
Document each inspection – Keep records of dates, names, and reports from each visit.
Request written explanations – Ask your insurer to explain why further inspections are necessary.
File a complaint – You can report excessive inspections to the Florida Department of Financial Services.
Seek legal advice – A property claims attorney can help ensure your insurer is acting lawfully and in good faith.
Get Legal Support for Your Property Insurance Claim
Florida law requires insurance companies to act fairly, and multiple inspections should not be used to stall or deny your claim. If you feel overwhelmed by repeated inspections and delays, Kyle Staggs, Esq. is here to help. Contact us today for a consultation and take control of your property damage claim.