Written by Andy Gurczak

September 29, 2021

How Long Does An Insurance Claim Take?

If it’s your first time filing a home insurance claim, you are probably wondering how long does an insurance claim take? Insurance claims can be a stressful process, and you’ll want to know when the claims process will be over so you can get your life back to normal.

The short answer is that there is no way to know for sure. The amount of time it takes for homeowners insurance to pay a claim varies from state to state. For example, home insurance companies in Texas must send payment within five days of accepting a claim. Meanwhile, in Kansas, there is no specified limit for when insurers must issue a payout.

The topic of home insurance is a complex area, and therefore, are the types of claims most likely to be rejected. However, never be discouraged from filing a claim. Although this is probably not the answer you wanted to hear, every insurance claim is different. If you file a fair claim, you will likely receive compensation, even if it takes a little longer.

How Long Does an Insurance Claim Take? Clock

How Long Does an Insurance Claim Take?

As you already probably know, when you suffer damage to your home or personal belongings because of a covered loss, you can file a home insurance claim. This way, you can cover necessary repairs or replacements. If your claim is accepted, you’ll receive a settlement payment to cover the damage. However, as we mentioned before, when you’ll receive those payments varies greatly based on the state you live in and your insurance provider.

On top of your state’s regulations, insurance companies may also have some of their own. For this reason, the best way to find out what the timeline of your claim will be by reaching out to your provider directly.

How Long Does an Insurance Claim Take? It Depends on The Home Insurance Claims Process

A home insurance claim has several steps before settlement. So generally speaking, a home insurance claim can take anywhere from 48 hours to over a year to be settled, depending on several factors.

First, the time it takes to process your claim will depend on the type of damage you are claiming.

Regardless, this doesn’t necessarily depend on the extent of the damage. Still, it does depend on the complexity of restoring the affected parts of the property. It also depends on the difficulty of repairing or replacing your home’s contents. For instance, replacing furniture damaged by a large fire might be easier and faster than fixing structural flaws caused by minor water damage.

Second, how long an insurance claim takes also depends on the number of people involved.

For example, a home insurance claim usually involves, at the very least, the insurer and an insurance adjuster. The adjuster visits the property at least once to inspect the damage. In addition, the insurance adjuster will likely want to speak to you several times about the loss before making any agreements. Once the adjuster makes an assessment, there may be a need for surveyors, builders or a removal company to help with the claim or begin repairing the damage.

Your responsiveness during the claims settlement process also influences how long it’ll take for your insurer to pay a claim.

The faster you report the incident and the more information you provide during the process, the quicker your insurance company can settle it and pay for the damage.

How Long Does an Insurance Claim Take? There Are Ways to Speed Up the Claims Settlement Process

Some insurance companies pay out claims faster than others. For this reason, it’s always important to read reviews when shopping for coverage. That way, you can identify beforehand which companies make claims processes easier.

Nevertheless, you can always take certain actions to help speed up the pace of the process. Below are some more proactive measures you can take to expedite the process:

How Long Does an Insurance Claim Take? Communicate With Your Insurer

Communicate with your insurance company

Ensure your insurance company can reach you to ask questions and clarify information regarding your claim. Try to keep yourself available for these conversations. As we mentioned above, you will also be assigned a claims adjuster who may inspect your home to estimate the cost of damage. Therefore, you must be there during their visit and stay in regular contact with them. In fact, your insurance company may even have a feature that lets you track the status of your claim—for instance, a mobile app or website.

Keep a record of expenses and payments associated with your claim.

It’s crucial you keep track of any expenses related to your insurance claim, including any payments that come in. In addition, maintain a record of any documentation that verifies the value of your damaged structures, items, or loss. Moreover, be sure to save receipts for any immediate expenses you have after a loss, such as repair expenses, to mitigate damage. We also strongly suggest you make a home inventory before disaster strikes. A home inventory is a list of your personal belongings and their value. They are quite convenient if your insurance provider needs to verify the actual cash value of your personal belongings as part of the settlement process.

Enroll in an e-payment option

Many insurance companies offer an e-payment process that you can access through a smartphone or an online portal. This option makes the actual payment process much faster than getting a check through the mail. So if you have the opportunity to enroll, try it out. You could receive payment in as little as 48 hours with some providers.

How Long Does an Insurance Claim Take? Public Adjuster

Hire a Public Adjuster

A public adjuster is an insurance professional that works for you instead of the insurance company. They are specifically trained to take care of every aspect of your insurance claim process. From filing to negotiating claims to settling them as well, a public adjuster does it all. They know the policyholder’s rights and the insurance company’s responsibilities. A public adjuster also knows all the tips and tricks to maximize and expedite insurance claim settlements. Contact AllCity Adjusting to hire a public adjuster today!

How Long Does an Insurance Claim Take and What to Expect from a Home Insurance Payment

Depending on the nature of your home insurance claim, you may receive multiple payments throughout the settlement process. So there are a few things you should know about settlement payouts:

First, the initial payment is not always the final one.

Insurance companies often send out an advance toward your settlement amount so you can get started on repairs as soon as possible.

Second, you may receive separate payments based on the structures and personal belongings damaged in a covered event.

For example, suppose a burglar breaks into your house through your window while you’re away and steals a personal item. In that case, you may receive one check to reimburse you for window repairs and another to replace your item.

Third, sometimes your settlement check is sent out to a third party.

In some cases, the payment may go directly to you. But in other cases, the payment might be sent to the contractor who oversees your home’s repairs. Or your settlement could be sent to your mortgage lender if you’re currently paying off your home and they’re listed on your home insurance policy.

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Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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How to Handle a Commercial Large Loss Restoration

If water, fire or a storm has severely damaged your business, you need help. Dealing with a large-scale catastrophe by yourself is not the way to go. Filing a commercial large loss restoration claim will take time, effort and patience.
Therefore, you should hire a public adjuster so that your insurance company pays you every dollar to which you are entitled.
You will also need a restoration company to immediately respond to your business. In fact, most good ones are available 24 hours a day, seven days a week. In addition, they will make an emergency response to begin the restoration process.
There are several procedures restoration services companies go through when responding to a commercial property damage incident.

Problems Homeowners Have After Filing an Insurance Claim

Problems Homeowners Have After Filing an Insurance Claim

Unfortunately, fires, hurricanes, or other natural disasters can do serious damage to a home. Certainly, most people have homeowners’ insurance in case of property damage. Of course, they will file an insurance claim under their home insurance policy. However, often there are problems homeowners have after filing an insurance claim.

Fire Damage Insurance Claim Is Denied

Fire Damage Insurance Claim Is Denied

Of course, having a fire in your home can be terrifying for the homeowners and their families. The amount of damage to the property insured, personal property lost and the seeing soot, smoke, and burned walls will traumatize the entire family. Certainly, as the property owner, you will file a fire insurance claim with your homeowners’ insurance company. However, what do you do if all or part of your fire damage insurance claim is denied?

Deal with Home Insurance Claim Adjusters

If a storm, fire or other natural disaster damages your home, you first want to make sure everyone in your family is safe. After that, you will survey the damage. If it is more than very minor, you will probably file a homeowners’ insurance claim. Therefore, it will be helpful to know how to deal with a home insurance claims adjuster.You should file an insurance claim as soon as possible to start the claims process. Certainly, the sooner you file a claim, the sooner you can get your insurance settlement.After you file a claim, an adjuster working for the insurance company will come to inspect the damage to your home. Insurance claim adjusters may work directly for the insurance company. Or they may be independent adjusters.However, don’t be fooled. Independent adjusters only work for insurance companies as independent contractors.As such, they are looking to settle your claim quickly and cheaply. Insurance companies are not in the business of simply paying money to insureds. Consequently, company and independent adjusters know that and act accordingly. The insurance adjuster evaluates your property, collects evidence on the extent of the damage and rules on your claim.

Understanding the Insurance Claims Process

Understanding the Insurance Claims Process

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

Estimating Fire Damage and Restoration Costs

Estimating Fire Damage and Restoration Costs

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

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