How Long Does It Take For Homeowners Insurance To Pay Claim

In the simplest words, it takes 30 days on average for homeowners insurance to pay the claim.

But not all cases are that simple. Plus, there is no federal law dictating any time limit for insurance companies to pay claims to homeowners.

There are a number of reasons that can contribute to the time it takes for insurance companies to pay claims. Here are a few of them.

The Nature of the Claim

The main thing that affects the time taken to process an insurance claim and get the homeowner the check is the nature of the claim.

If it is something minor like a broken window or a cracked garage door, the claim can be processed in less than the average time.

Complicated cases with large expected payouts can increase the time it takes to process the claim.

The State Where the Property is Located

Some states have state-level laws that dictate the maximum amount of time an insurer has for paying a claim. California, Missouri, Texas, and Kansas are among those states.

Even in these states, the insurer can ask for more time. They, however, have to notify the insured in writing every 45 or 30 days about the status of the claim.

The Terms and Conditions of Your Insurance Policy

Some insurance policies can have a clause specifying the amount of time the company has to pay the claim.

If no time period is specified in the policy, the laws of the state will apply.

If the state has no laws regarding this, then it is up to the insurer to take as much time as necessary to pay the claim.

The Number of Claims Being Processed by the Insurer

If you file a claim when the insurer is already processing a number of claims, it can take longer for your claim to be processed.

In the cases when there is damage done to the property by natural disaster and other such causes it might take longer to process the claims.

How to Speed Up the Claim Process?

You can hire the services of a professional public adjuster to speed up the proceedings and get claim money fast.

Public adjusters start by reviewing your policy. The next thing they do for you is to prove that your property has actually sustained the damage you are filing a claim for. They then prepare your claim case and follow it up for speedy processing.

You don't need to worry about the fees these guys will charge. Because they mostly work for a contingency fee. It is charged as a percentage of the final claim money that you get from the insurer.

To save you from any potential fraud, most of the states have laws prohibiting public adjusters from charging any money before the client accepts a settlement offer from the insurer.

If you are going to file a claim for damage to insured property, ACI Adjustment Group can help you.

ACI Adjustment Group Services

ACI Adjustment group provides assistance with insurance claim investigation in storm, fire, water damage, and all other common insurance claims. The services we provide include:
  • Insurance policy review to help you understand the terms and conditions of your insurance policy.
  • Evaluating damages that are covered under your insurance policy.
  • Proving the damages done to your property so that you get claim money according to the damage.
  • Following up with your insurance claim process to get it processed fast.

Contacting Us

If you want assistance in any property insurance related issue, you can contact us 24/7 via our toll free number 1-800-809-4302 or by filling in the contact form on our website or by sending us an email at