How Long Is Too Long For A Homeowner Insurance Claim

logo by Editorial Staff | Updated on September 27th, 2023

If you’re a homeowner who has filed an insurance claim, you know how stressful the waiting game can be. But what’s the usual waiting period, and when should you begin to worry? Delays in settling claims can cause considerable frustration, and knowing what to expect can save you from unnecessary anxiety. In this article, we’ll explore how long it should typically take for a homeowner’s insurance claim to be paid out and what you can do to expedite the process.

Understanding State-Specific Deadlines

The length of time it takes for an insurance claim to be processed can largely depend on the regulations in your state. Different states have different deadlines for insurance companies when it comes to approving and paying out claims. Below is a breakdown of timelines for each state:

insurance policy
StateAfter accepting a claim, insurers must make payment within …
Alabama30 days
Alaska30 days
Arizona30 days
Arkansas10 days
California30 days
Colorado30 to 45 days
Connecticut30 days
DelawareNo set time limit
District of ColumbiaNo set time limit
Florida90 days
Georgia10 days
Hawaii30 days
IdahoNo set time limit
Illinois30 days
IndianaNo set time limit
Iowa30 days
KansasNo set time limit
Kentucky30 days
Louisiana30 days
MaineNo set time limit
Maryland15 days
MassachusettsNo set time limit
Michigan60 days
Minnesota5 days
MississippiNo set time limit
MissouriNo set time limit
Montana30 to 60 days
Nebraska15 days
Nevada30 days
New Hampshire5 days
New Jersey30 to 90 days
New MexicoNo set time limit
New York5 days
North Carolina10 days
North DakotaNo set time limit
Ohio10 days
OklahomaNo set time limit
OregonNo set time limit
PennsylvaniaNo set time limit
Rhode Island30 days
South Carolina20 to 40 days
South DakotaNo set time limit
Tennessee30 days
Texas5 days
Utah30 days
Vermont10 days
VirginiaNo set time limit
Washington15 days
West Virginia15 days
Wisconsin30 days
WyomingNo set time limit

Even if your state does not have a mandatory deadline, they often require insurance companies to assess claims within a set period, generally between 15 to 30 days.

Know Your Rights: The Role of the Insurance Commissioner

If your claim has not been paid within the stipulated time frame by your state, you can take it up with your state’s insurance commissioner. This oversight body can guide you through the legal steps and your rights as a policyholder, which may help expedite the claim process.

Strategies to Speed Up Claim Settlements

The good folks at Legal Grit, experts in homeowner’s insurance claims, have some pointers on how you can accelerate the claims process:

  • File Promptly: Most insurance policies have a deadline for submitting claims. File as soon as you can to provide the most accurate and comprehensive information.
  • Stay in Touch With Your Adjuster: Open and consistent communication with your adjuster can streamline the process. Most insurance companies offer online portals where you can upload documents and check your claim’s status.
  • Track All Related Expenses: Whether it’s minor repairs or more significant costs, keep all the receipts. This will help you provide a detailed account when settling your claim.
  • Go Digital for Payments: If your insurance company allows it, opt for electronic payments. This method can get your claim payout in as little as 48 hours after approval.


How Long Does an Insurance Claim Typically Take?

Depending on the specifics, a homeowner’s insurance claim might take from a month to much longer. Different factors, like the complexity of your claim and the insurer’s policies, can affect the duration.

What Are the Response Time Requirements for Insurance Companies?

The timeframe for an insurer to respond to your claim is often dictated by state laws. While some states demand a response within 10 to 30 days, others are less specific, requiring a “reasonable” time for claims to be managed.


Knowing what to expect when you file a homeowner’s insurance claim can remove some of the stress from an already tense situation. Being proactive, informed, and understanding your state’s specific rules are crucial steps in ensuring your claim is processed as swiftly as possible. With this guide in hand, you’re better prepared to manage your claim and understand when it’s time to take additional steps.


Editorial Staff

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