The 90-day insurance claim timeline: what buyers actually want
Insurers reject 30% of first-submission claims for procedural reasons. Here is the 90-day timeline that reduces rejections to under 5%.
Insurance carriers don't reject claims because losses aren't real — they reject because paperwork arrives late, out of order, or with gaps in evidence. Fixing this is a scheduling problem more than a technical one.
Day 0 to 7: notice of loss, initial site visit, first-set photos with GPS and timestamp, preliminary damage estimate. Send the carrier a written acknowledgement even if the policyholder already called them.
Day 8 to 30: full inspection, comparable-loss benchmark, formal damage quantification, expert opinion draft, appointment letter signed. This is where most claims stall — the expert has data, the policyholder has patience, nobody sends the interim update.
Day 31 to 60: opinion finalized, exhibits packaged, invoice issued. Deliver to the carrier's claims platform (never email PDFs; carriers log everything). Ask for a claim reference and adjuster contact in writing.
Day 61 to 90: follow-up on adjuster review, respond to information requests within 48 hours, negotiate valuation deltas, close settlement. GARAASSETS's case timeline auto-generates the checklist for each phase and flags overdue steps — the difference between a 90-day close and a 9-month dispute.