How long does it take to investigate a claim?

Asked by: Santos Abshire MD  |  Last update: July 24, 2025
Score: 4.1/5 (31 votes)

Most insurance companies are typically given between 15 to 90 days to investigate a claim and accept or deny it, depending on the specific state regulations, the type of the claim, and the case's complexity. For instance: Straightforward property damage claims may be resolved more quickly.

How long should a claim take to settle?

Time limits may be extended in certain circumstances. Claims handled through the portal usually take around 4-9 months to settle – based on clients' accepting the first settlement offer. Clinical Negligence: Clinical negligence cases can take anything from 18 months to even 2-3 years to settle.

How long does it take to complete an investigation?

Although it is impossible to estimate how long the investigation will take, a normal investigation should take no more than 60 days to complete. However, there may be circumstances that will extend the length of time necessary to complete a thorough investigation.

How long does it take for an adjuster to make a decision?

Typically, under the terms of the insurance policy and/or by state law, the adjuster must complete an initial review and send a response within a reasonable amount of time – usually on the order of 30 days.

How long do claims take to review?

Time frames may vary for standard claim processing, usually 30 days, however if a claim is being investigated or penned for fraud review, that claim can sometimes sit for an additional 90 days while they attempt to gain the information they require.

How Long Can an Insurance Company Take to Investigate a Claim? - InsuranceGuide360.com

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How long do insurance investigations take?

Most insurance companies are typically given between 15 to 90 days to investigate a claim and accept or deny it, depending on the specific state regulations, the type of the claim, and the case's complexity. For instance: Straightforward property damage claims may be resolved more quickly.

What happens if a claim is taking too long?

The law requires insurance companies to acknowledge receipt of a claim within 15 days after they receive it. They must communicate their decision on the claim within 15 business days after receiving all necessary information related to the claim. If they fail to do so, policyholders have the right to sue for delay.

What not to tell a claims adjuster?

Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”

How long does an insurance adjuster have to contact you after?

Standard Waiting Time

Typically, after reporting a claim to your insurance provider, you can expect a claims adjuster to reach out within 24 to 48 hours. This initial contact will be to gather more details about the incident and potentially schedule a time for an in-person inspection of the damages.

Why do insurance companies drag out claims?

Insurance companies may purposely drag out the claims process, hoping that policyholders will grow frustrated and accept a lower settlement or even drop the claim entirely. This may include excessive paperwork requests, slow response times, or frequent requests for additional documentation.

How long should an investigation take?

A complicated matter may take several weeks to conduct properly. A relatively simple matter may only require a small amount of investigation for it to be reasonable. Providing a provisional time-frame is helpful but an investigator should not be restricted by a set completion date.

What comes after investigation?

When the investigation is finished, the investigator will conduct a thorough analysis of the facts, statements, and evidence gathered, which will be compiled in a file to produce a comprehensive report.

Why is an investigation taking so long?

Your case screening and intake policies also impact the caseload and overall speed of investigations. For example, let's say there's a robbery, but there's no video footage, no suspect, no license plate, no witnesses, no forensics – nothing to go on.

What is the longest a settlement can take?

What is the longest a settlement can take? The duration of a personal injury settlement can vary dramatically, with complex cases potentially taking several years to resolve, though there's technically no absolute maximum time limit beyond the statute of limitations.

How long does it take for compensation to pay out?

In most cases, the Defendant's insurer will pay the compensation within two to four weeks of a settlement being achieved.

What is the shortest time for settlement?

The settlement period starts from the day that the contract has been signed and any conditions attached to the sale have been met. The settlement period is typically 30 to 90 days, but it can be longer or shorter if the seller and the buyer both agree.

How long does it take an insurance adjuster to make an offer?

Some insurance adjusters respond to demand with an offer of compensation well within the allotted thirty (30) day time frame, while others, taking the previously mentioned factors, can understandably exceed the given period.

Who gets the insurance check when a car is totaled?

If you own the car without any loans or liens, you will receive a check for the value assessed by the insurance company. If there is a loan, the check usually goes first to the leasing company or the lender. If you owe money on the vehicle, you should notify the lending company that your car has been totaled.

Why is my claims adjuster taking so long?

However, delays can occur due to various reasons such as lack of evidence, legal disputes, or the insurance company trying to minimize their payout. If you believe your personal injury claim is being wrongfully delayed, it is important to take action.

How do you beat claims adjuster?

What Is the Single Best Way to Scare an Insurance Adjuster?
  1. Write a convincing demand letter to your insurance company.
  2. Carefully review any settlement offers you receive.
  3. Reject a settlement offer in writing on your behalf.
  4. Counter your lowball settlement offer.

Can you negotiate with adjuster?

Yes, you absolutely can and should negotiate with insurance adjusters. Negotiation is a normal part of the claims process. The first offer is usually not the final one. Insurance companies often start low to see if you'll accept less than what you're entitled to.

What are insurance adjusters looking for?

Adjusters inspect property damage or personal injury claims to determine how much the insurance company should pay for the loss. They might inspect a home, a business, or an automobile. Adjusters interview the claimant and witnesses, inspect the property, and do additional research, such as look at police reports.

How long does the claim process take?

Understanding Insurance Claim Timelines

Generally, you may be able to expect a claim to take anywhere from a few days to several weeks to be processed and resolved. For straightforward claims, the process can be quicker, and are often resolved within a week.

Can I sue my insurance company for emotional distress?

Yes, you can sue for emotional distress under the common law standard, but it can be hard to prove. This is because you must show that the result of your claim denial caused you pain and suffering or emotional distress. This intangible loss can be more difficult to prove than, say, the cost of medical bills.

What happens if insurance doesn't respond in 30 days?

Insurers Do Not Need to Respond to Demand Letters

However, your attorney will be ready to take action against the company if they refuse to give your claim the attention it deserves. This might be by filing a civil lawsuit against the company if they continue to handle your claim in bad faith.