Insurance claims are like criminal offenses in that the terms and the playing field are set by a very large organization whose interests are arrayed against those of the individual.
They are also similar to criminal offenses in that one of the primary strategies of the insurance company is to wait you out. Hiring a lawyer is one way to prod the company into action.
If you believe that your insurance company has treated you unfairly, please feel free to contact my office for a consultation to discuss strategies to force the insurance company to do what is right.