The Insurance Claim Process: Step by Step

The insurance claim process: (1) Report the claim promptly — most policies require 'timely' reporting. (2) Document everything — photos, videos, receipts, police reports. (3) Meet with the adjuster — you can have your own contractor present.

(4) Review the estimate — get your own if you disagree. (5) Negotiate if necessary. (6) Accept settlement and sign release.

(7) Complete repairs and submit receipts for RCV holdback (if applicable). Most auto claims resolve in 1–2 weeks. Home claims take 2–8 weeks. Injury claims take months to years..