Months after Hurricane Beryl, many people are still dealing with insurance claims. Despite repairs being completed, insurance companies have yet to decide on payouts.

SEE ALSO: Homeowner battles insurance company for months over roof damage from Hurricane Beryl

Investigator Amy Davis shares her personal experience, having filed a claim in September with no resolution after five inspector visits. This is also something a lot of you are asking about.

How long do insurance companies have to approve or deny claims?

Leash Yu from Higginbotham Insurance explains that there isn’t a strict deadline for insurance companies to approve or deny claims.

The decision-making process can be prolonged by the need for additional information and research.

However, companies are required to respond within two days of a claim being filed. The complexity of determining coverage can extend the timeline, especially if new information is provided.

What to do if you don’t like your insurance offer

Once you receive an offer, there are steps you can take if you’re unsatisfied. Here’s what Yu suggests:

• Work directly with the insurance adjuster.

• Escalate the issue to management if needed.

• If this doesn’t resolve the issue, mediation is the next step, where a third party hears both sides. Usually, this decision is final.

• If mediation isn’t an option, hiring an attorney to sue the carrier is a possibility.

• Lean on your insurance broker for assistance throughout the process.

Also, be aware that an open claim when your policy expires may complicate finding a new carrier or getting renewed.

In today’s Ask Amy episode at 11 a.m. on KPRC 2+, Amy and Yu talk all about auto and homeowner’s insurance.

Do you have a question for Amy? Email AskAmy@kprc.com. Producer Andrea Slaydon also gets these emails!