Once you've submitted a claim, here's what you can generally expect during the review process.
1. Confirmation of Receipt
You'll receive confirmation that your claim has been received, usually along with a claim number. Keep this number handy — you'll use it for any follow-up communication.
2. Claim Assignment
Your claim is assigned to a claims adjuster, who will be your main point of contact throughout the process. The adjuster may work for the insurer directly or for a third-party claims administrator, depending on your policy.
3. Initial Review & Contact
The adjuster will typically:
Review the information and documents you submitted
Reach out to you if additional details or documents are needed
Confirm the details of the incident and how it relates to your policy
4. Investigation
Depending on the complexity of the claim, the adjuster may:
Contact other parties involved (e.g., the affected client, other contractors, witnesses)
Request additional documentation (photos, contracts, invoices, correspondence)
Arrange an inspection of the damage, if applicable
Consult with legal counsel if the claim involves potential litigation
5. Coverage Determination
The adjuster will determine whether the claim is covered under your policy, based on your policy wording, and let you know the outcome. This may include:
Full coverage of the claim, subject to your deductible
Partial coverage, if only part of the claim falls within your policy terms
Denial, with an explanation of why the claim isn't covered
6. Resolution
If the claim is covered, the adjuster will work toward resolving it — this may involve:
Paying the affected party directly
Reimbursing costs already paid
Coordinating repairs, where applicable
How Long Does It Take?
Timelines vary depending on the complexity of the claim, how many parties are involved, and how quickly requested information is provided. Straightforward claims are often resolved faster than claims involving disputes, legal action, or multiple parties.
Staying Involved
Throughout the process, you may be asked to:
Provide additional information or documents
Confirm details about the job or incident
Respond to questions from the adjuster in a timely manner
Responding promptly to requests helps avoid delays in your claim's resolution.
Questions About Your Claim?
If you have questions about the status or details of your specific claim, your assigned adjuster is the best point of contact. For general questions about the claims process, our support team is also available to help.