I really think it will come along ... give it some time. My oldest has a book with him all the time and oh, my ... I could never get him to do anything and all of a sudden (I have to thank CS for that, though)...
Everything that I've read, including WTM suggests 20 - 40 minutes a day at this age.
I plan on allowing my son to do his free reading anytime of the day ... bedtime sounds good as well.
Does she like for you to read aloud to her? Just curious ... because my son never did like me to. And that was real difficult when I tried to homeschool him before putting him in school...anyway...
Oh, and I bought and plan to use this next year, MCP Reading Comprehension Plus .... it has very short stories in it and questions afterwards. It looks fun.