Mar 6, 2025
Why Are Insurance Claims Taking So Long? (And How Your Agent Can Help Keep Things Moving)
Why Are Insurance Claims Taking So Long? (And How Your Agent Can Help Keep Things Moving)
Filing an insurance claim should be a straightforward process, but sometimes, delays happen. Whether you’re dealing with an auto accident, storm damage to your home, or another unexpected event, waiting for a resolution can be frustrating.
The good news? Understanding why claims take time and how to navigate the process effectively can help minimize delays. And having the right insurance agent in your corner can make all the difference.
This post is part of an ongoing Tuesday and Thursday series where we tackle the most common insurance frustrations—while also giving you the knowledge to make the process smoother. Let’s dive into why claims take longer than expected and what you can do to keep things on track.
Why Do Insurance Claims Take Time?
Insurance companies work hard to process claims fairly and efficiently, but there are several factors that can slow things down. Some are unavoidable, while others can be managed with the right approach.
1. Complex Cases Require Thorough Investigation
Every claim is unique, and some cases require detailed assessments to ensure everything is handled correctly. If a claim involves significant damage, multiple parties, or legal considerations, insurers must take extra time to investigate and verify details before approving a payout.
2. High Claim Volume After Major Events
After a major storm, wildfire, or natural disaster, insurance companies experience an influx of claims. This surge in demand can cause temporary delays, as adjusters work through a higher-than-usual number of cases. While this can be frustrating, it’s also a sign that insurers are being thorough in their evaluations to ensure fairness to all policyholders.
3. Adjuster Availability & Scheduling Challenges
Claims adjusters are responsible for inspecting damage and determining payouts. If there is a high demand for adjusters in your area, it may take longer to schedule an inspection. Working with your insurance agent can help—they often have direct access to claims representatives and can assist in getting your case prioritized when needed.
4. Missing Documentation or Incomplete Information
One of the most common reasons for a delay is missing paperwork. If required documents aren’t submitted upfront—such as repair estimates, receipts, or photos of the damage—it can slow things down. This is where having an agent helps—they can guide you on exactly what’s needed to avoid unnecessary back-and-forth communication.
5. Policy Coverage Clarifications
Sometimes, insurers need to review the specifics of a policy to confirm coverage before approving a claim. While this may take time, it ensures policyholders receive the correct benefits without unexpected complications.
6. Fraud Prevention & Verification Measures
Insurance fraud is rare, but companies have checks and balances in place to ensure all claims are legitimate. If a claim is flagged for further review, it may take additional time, even if everything is valid. A knowledgeable agent can help provide clarity and support if this happens.
How Long Should an Insurance Claim Take?
Each state has its own laws governing how quickly insurers must process claims. These timelines are designed to ensure fair and efficient handling.
If your claim seems to be taking longer than expected, your insurance agent can check on the status and provide guidance on next steps.
Check Your State's Insurance Regulations Here
How an Insurance Agent Helps Speed Up the Process
Having a trusted insurance agent can be a game-changer when it comes to avoiding unnecessary delays. Here’s how:
1. Guiding You Through the Claims Process
Your agent ensures you submit everything correctly the first time, reducing the risk of back-and-forth requests for missing information.
2. Communicating Directly with the Insurance Company
Instead of sitting on hold or waiting for a response, your agent can reach out to the right people in the claims department, often getting faster updates.
3. Advocating for You If Issues Arise
If a claim is stuck or unclear, your agent can ask the right questions and work with adjusters to find solutions.
4. Providing Peace of Mind
Navigating a claim alone can be overwhelming. Having an experienced advisor on your side ensures you always know what to expect and what steps to take.
How to Keep Your Insurance Claim Moving
While some delays are unavoidable, there are proactive steps you can take to help ensure a smoother process:
Be Prepared with the Right Information
• Provide detailed descriptions of what happened.
• Submit photos and videos of the damage.
• Keep receipts and repair estimates ready.
Stay in Contact with Your Adjuster & Agent
Check in regularly to get updates and ensure nothing is missing.
Follow Your Agent’s Guidance
They’ll make sure you’re on the right track and help clear up confusion if any issues arise.
Know Your Rights & Deadlines
If delays exceed state guidelines, your agent can help determine next steps or escalate the situation when necessary.
Making Insurance Work for You
Filing a claim can feel overwhelming, but it doesn’t have to be. Most insurers want to process claims as efficiently as possible, and working with a knowledgeable insurance agent can help make the process even smoother.
If you ever find yourself facing a claim, don’t hesitate to reach out to your agent for guidance—that’s what we’re here for!
This post is just the beginning. Check back every Tuesday and Thursday as we continue this series, covering more common insurance frustrations and how to navigate them like a pro.
Not sure if your current insurance coverage is set up to work for you when you need it most? Let’s take a look together. I can help you review your policy, answer any questions, and make sure you’re not missing key protections. No pressure, just honest guidance.