Generally within 15 business days.
The carrier acknowledges receipt, begins investigation, and may request forms, records, statements, photographs, or inspection access.
Claim Timeline
A claim can move quickly at first and still take months to fully finish.
Emergency drying may begin within hours, while reconstruction, scope updates, mortgage draws, contents, payment adjustment, and disputes continue much longer.
Generally within 15 business days after receiving what it needs.
The carrier may extend the decision period by 45 days when it explains why more time is required.
Generally within five business days after agreeing to pay.
Issuing payment does not necessarily mean the homeowner immediately controls the funds when a mortgage company is included.
Coverage is only one part of the process.
Drying, hidden damage, repair estimates, permits, material selection, scope updates, lender inspections, contents, and payment adjustment can continue after the initial decision.
Common Sources of Delay
Incomplete documentation
Missing photographs, invoices, moisture records, inventories, receipts, or requested statements can pause review.
Cause-of-loss investigation
Long-term leakage, maintenance, prior damage, plumbing failure, roof conditions, flood, or multiple possible sources can require more investigation.
Scope disagreement
The contractor and adjuster may disagree about removal, drying duration, equipment quantity, repair methods, pricing, code, or matching.
Mortgage-company release
The lender may require endorsements, contracts, inspections, progress draws, and proof of completion before releasing repair funds.