A simple timeline model
- Day 0–3: Report the claim and provide initial details
- Week 1: Intake questions and early documentation requests
- Weeks 1–4: Inspections/assessments, estimates, and coverage review
- Weeks 2–8: Valuation and decision (approve/partial/deny)
- After decision: Payment and follow-ups (if needed)
Note: Regional events (storms, catastrophes) can extend timelines because inspection and repair capacity becomes backlogged.
Common steps that add time
- Inspection scheduling and re-inspections
- Multiple estimates or unclear scopes
- Waiting for third parties (contractors, providers, repair shops)
- Documentation gaps or missing details
- Coverage questions (definitions, exclusions, conditions, limits)