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How Long Does It Take to Settle a Homeowners’ Insurance Claim?

State insurance laws dictate whether insurers have specific deadlines in which to settle your claim. To find out the law in your state, go to the National Association of Insurance Commissioners website and click on the link for state insurance department websites. Insurers themselves generally won’t tell you exactly how long it will take to settle your claim as each claim is unique. Instead, you’ll probably be told that all claims are handled “as quickly as possible.” And while that may or may not be true – there is no reason to feel powerless in the process.

What you can do. Even though you can’t force your insurer to settle your claim within a certain time frame, there are things you can do to speed up the settlement process, such as:

  • Stay in contact with your claims adjuster. Don’t sit back and wait for your settlement. Claims adjusters generally have hundreds, even thousands of claims to handle. Staying in contact with your adjuster will let him or her know that you are on top of things and your file will probably end up on the top of their pile.

  • Demand better service. If you can’t get anywhere with the adjuster, ask to speak with their supervisor for better service. Keep in mind that most insurance settlements must go through the insurance company’s legal department, which can take time depending on your settlement’s complexity. Although a claims adjuster can’t usually tell company attorneys to “hurry things up,” he or she should be able to “manage” the process. If you feel that you’re getting the run-a-round, talk to a supervisor.


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