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Claims Process Timeline: What to Expect

timeline

6 min read

Insurance claims take time, but knowing what usually happens – and when – can reduce stress and help you stay in control.

Key Takeaways

1

Report your claim immediately and get a claim number in writing

2

Be present during the adjuster's inspection to point out all damage

3

Compare the insurance company's estimate with your contractor's estimate line-by-line

4

Keep detailed records of all communications and document submission dates

5

Don't accept the first settlement if it seems inadequate - you can negotiate

1. Filing the claim and getting a claim number

After you report the loss, the insurance company should confirm your claim number in writing.

Note the date and time you reported the claim.
Write down the name and extension of the person you spoke with.
Ask when you should expect to hear from the field adjuster.

2. Inspection and documentation phase

An adjuster or inspection team will usually visit the property to review the damage.

Be present if possible so you can point out all areas of concern.
Have your photos, estimates, and notes ready to share.
Request a copy of any written estimate once it is prepared.

3. Review, negotiation, and possible delays

Once the insurance company creates an estimate, you may agree, disagree, or need clarification.

Compare their estimate line-by-line with your contractor's estimate.
Ask questions about items that seem missing, underpriced, or mis-labeled.
If talks stall, a public adjuster can step in and negotiate on your behalf.

4. Payment and follow-up

When a settlement is reached, payments may come in one or more checks.

Confirm whether any mortgage company needs to endorse the check.
Keep copies of every payment stub and explanation of benefits.
If hidden damage is discovered later, ask about supplemental claims.

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