In Sandy, delays happen for practical reasons: work schedules, travel time to imaging facilities, and the fact that symptoms after a hit, fall, or crash can start “quiet” and worsen overnight. Insurers commonly argue that delayed symptoms mean the incident “couldn’t have caused it.”
That’s why the strongest claims don’t just list diagnoses—they map out a credible timeline:
- what happened and where (impact mechanics matter)
- when pain or other symptoms began
- when you sought care and what clinicians documented
- how imaging/labs and follow-up visits tracked the progression
When your story and the records line up, it’s harder for a carrier to reduce your case to guesswork.


