Understand the claims process from filing to settlement. Learn what to expect at each stage and how to avoid delays.
Get Claim Command Pro →Understanding the typical timeline helps you identify when your claim is progressing normally versus when it's being delayed. Here's what to expect at each stage.
You report the damage to your insurance company. They should acknowledge receipt within 24-48 hours and assign a claim number. You'll receive contact information for your adjuster within 2-3 days.
The adjuster schedules an inspection, typically within 7-10 days of your report. In catastrophic events affecting many properties, this may take longer. The inspection usually takes 1-3 hours.
After inspection, the adjuster prepares an estimate. You should receive an initial settlement offer within 2-3 weeks. This offer is almost always negotiable.
You review the offer, obtain contractor estimates, and negotiate. This phase varies widely depending on the complexity of your claim and how far apart your position and the insurer's position are.
For straightforward claims, you reach settlement and receive payment. For disputed claims, you may need to file a formal appeal or invoke appraisal.
Large or complex claims may take longer, especially if they involve structural issues, mold, or coverage disputes. However, even complex claims should show steady progress.
Extensive damage or multiple types of damage take longer to evaluate
After hurricanes or wildfires, timelines extend due to adjuster workload
Disagreements over what's covered add weeks or months
Complete, organized documentation accelerates processing
Prompt responses to requests keep your claim moving
Some companies process claims faster than others
Take these steps to keep your claim moving forward efficiently.
Get tools and guidance to keep your claim on track and avoid unnecessary delays.
Get Claim Command ProSimple claims with clear coverage and minimal damage should be resolved within 30-45 days from initial report to payment.
If you haven't received an initial offer within 30 days, or if the process stalls for more than 2 weeks without explanation, start escalating.
Negotiation typically adds 2-4 weeks. If it's taking longer, the insurer may be stalling.
You can make emergency repairs to prevent further damage. For major repairs, wait for settlement or get written approval from your insurer.
Document the delays, escalate internally, and consider filing a complaint with your state insurance department.