Try what he said above. That worked like a charm for me.
Now my concern is the no backup issue. I hate that I'd probably have to back up to iTunes before upgrading. (Snobbish OTA lover here)
Thanks for the tip, but that was not the issue for me, iOS9.1 has not been downloaded on the phone. When I check SW update it says "download and install". I also checked my storage under "mange storage" but 9.1 has not been downloaded to the phone.
Good to hear it worked for you, and yes, you probably need to bite the bullet and plug your phone in to that dusty old usb port and go to iTunes