When disaster strikes—whether it’s storm damage, theft, or a personal injury—you expect your insurance company to act quickly. But when your claim is stuck in limbo with no payout in sight, the delay isn’t just frustrating—it could be a violation of your rights.

At SJJ Law, we help Colorado policyholders handle delayed insurance claims and force insurers to do what they’re legally obligated to do: act in good faith and pay legitimate claims promptly. If you’re wondering whether it’s time to call a lawyer, here’s what you need to know.

How Long Should an Insurance Claim Take?

Most insurance companies are required to acknowledge, investigate, and resolve claims within a “reasonable” time. In Colorado, insurers must:

  • Acknowledge receipt of your claim within 15 days

  • Begin investigating within 15 days

  • Accept or deny a claim promptly and fairly

If weeks—or months—have passed without progress, something may be wrong.

Common Reasons for Claim Delays

Sometimes delays are legitimate. More often, they’re avoidable or even intentional. Here are some common excuses insurers use:

  • “We need more documentation.”

  • “The adjuster hasn’t completed their report.”

  • “We’re still reviewing your coverage.”

  • “We need additional time to assess damage.”

These might sound reasonable once—but repeated delays are often a red flag.

Why Delays Matter

A slow claim can leave you:

  • Paying out-of-pocket for repairs or medical bills

  • Struggling to replace lost property or income

  • Emotionally and financially stressed

More importantly, some delays are a form of bad faith—a tactic insurers use to pressure you into accepting a lower payout or abandoning your claim entirely.

When to Call an Insurance Attorney

If any of the following apply, it’s time to get legal help:

  • Your insurer hasn’t responded in weeks

  • They keep asking for the same documents over and over

  • You’re getting inconsistent answers from different adjusters

  • You’ve received partial payment with no explanation

  • You’re being pressured to settle for less than your claim’s worth

At SJJ Law, we cut through the noise. We hold insurers accountable and push your claim toward resolution—fast.

What We Do for You

Hiring an insurance lawyer doesn’t mean you’re suing. It means you’re serious. Here’s how we help:

  • Review your claim and policy

  • Communicate directly with your insurer

  • Demand compliance with Colorado’s timelines

  • Escalate to litigation if delays continue

Often, just involving a lawyer prompts insurers to act faster.

Your Rights Under Colorado Law

Colorado law requires insurers to:

  • Investigate and process claims fairly and promptly

  • Communicate clearly and consistently

  • Not delay payment without a valid reason

If they violate these rules, you may have grounds for a bad faith insurance claim, which could entitle you to extra compensation—including attorney’s fees and punitive damages.

Don’t Wait: Delays Can Cost You

Insurance claim delays can eat up your time, savings, and peace of mind. The longer you wait to act, the harder it can be to recover what you’re rightfully owed.

SJJ Law offers free consultations for policyholders facing delays. We’ll assess your situation, explain your rights, and help you decide your next move.

Let Us Help You Get What You’re Owed

You’ve paid your premiums. You followed the rules. Now it’s time for your insurer to do the same. If your claim is being delayed, don’t let the clock run out.

Contact SJJ Law today for a free case review—and let’s get your claim moving again.