Learn average timelines for property damage claims, what causes delays, and how to speed up the process.
Get Claim Command Pro →Insurance claim timelines vary significantly based on damage type, claim complexity, and insurer practices. Here's what to expect for different scenarios.
Straightforward claims with clear coverage, minimal damage, and no disputes typically resolve within 30-45 days. Examples include single-room water damage, broken windows, or minor roof damage with clear causation.
Claims involving multiple rooms, structural issues, or moderate complexity typically take 45-90 days. This includes most fire damage, significant storm damage, or claims requiring engineering assessments.
Large or complex claims involving extensive damage, coverage disputes, or multiple types of damage can take 90-180 days or longer. This includes total losses, claims with mold, or situations requiring multiple expert evaluations.
After hurricanes, wildfires, or other catastrophic events affecting thousands of properties, claims can take 6-12 months due to adjuster shortages and contractor availability.
More extensive damage requires more time to evaluate and estimate
Clear coverage speeds processing; disputes add weeks or months
Complete documentation accelerates processing significantly
Overloaded adjusters slow down all their claims
Disputes over valuation add 2-8 weeks
Quick responses to requests keep claims moving
While you can't control all factors, these steps significantly reduce processing time.
Get tools and guidance to accelerate your claim and avoid unnecessary delays.
Get Claim Command ProCommon reasons include incomplete documentation, coverage disputes, adjuster workload, or deliberate delay tactics. Document the delays and escalate if necessary.
You can't force speed, but you can hold them accountable to state prompt payment laws. File complaints with your state insurance department if delays are unreasonable.
Sometimes, but not always. Public adjusters can help with documentation and negotiation, but they don't control the insurer's processing speed.
Most states require acknowledgment within 15 days and decisions within 30-45 days. Anything significantly beyond these timeframes without clear justification is unreasonable.
Negotiation adds time, but it's usually worth it. Expect 2-4 additional weeks for negotiation. If it's taking longer, the insurer may be stalling.