How Long Does An Insurance Adjuster Have To Respond?

An insurance adjuster, also known as a claims adjuster, is the individual who is assigned to a case and is responsible for investigating and determining the settlement amount that is required based on the claim at hand.

This may be a claim regarding personal injury or property damage. They will then assess the evidence to arrive at the settlement amount. 

If you have been involved in an accident and are awaiting a response from your insurance adjuster regarding the compensation that you are owed, you may likely be wondering how long this process is going to take.

Below we have explained the steps that are involved in the process and how long it takes an insurance adjuster to respond to your claim.

If you have been involved in an accident that has resulted in personal injury or your property has been subject to damage, the first thing you should do is contact your insurance provider to inform them of the incident. Once contacted your insurance company will then begin to process the claim. 

You may send a demand letter to the insurance company that is responsible for investigating the claim and this document should provide important information regarding the incident in question. 

It is important to note that the amount of time taken for an adjuster to respond can vary depending on specific factors. Typically, this time frame differs depending on the state; the regulations of one state are likely to differ from another.

While adjusters in some states may respond within days, others may take significantly longer. If you are sending a demand letter to the opposing insurance provider, they don't have a legal obligation to respond either. 

Simply put, you should expect the insurance adjuster to respond in around 30 days, of course, bearing in mind as previously mentioned that this time isn't set in stone.

Depending on the claim, the adjuster may need to visit to gather evidence. Upon receipt of your demand letter, you are likely to be contacted by your adjuster within the following days and they will then arrange a visit.

It is also necessary to consider the type of claim, although the response time isn't likely to differ significantly based on either. A first-party claim is one that involves your own insurance company rather than a third party company. You will find that there are procedures in place at each stage of the claim which is going to consume additional amounts of time. 

Of course, the first step you are going to take is to contact your provider, and they are then likely to contact you regarding the evidence needed.

A third party claim involves a third party insurance company that you are asking for compensation from. Just like a first-party claim, you should expect the response time to vary depending on the state. 

You should expect some of the following factors to affect how long the adjuster takes to respond to your claim. The evidence needs to be evaluated before determining the amount that is owed to the injured party. For example, they will need to assess how much the medical bills, etc amount to.

Complex medical bills are likely to take longer to break down to ensure that important details aren't missed, and all information provided is thoroughly understood. They will also need to analyze any records of previous accidents.

Ultimately, it can depend on the complexity of the issue and the insurance policy, and as such, it is difficult to set a specific time frame. 

The whole process can require a lot of patience on your behalf and it can become very frustrating when your claim doesn't appear to be getting dealt with and your adjuster is responding. Despite the frustration that is caused by the lack of communication, you should try to remain patient with the insurance provider.

In some cases, it can be due to a simple miscommunication or issues with receiving the demand letter. However, you may call the adjuster if you are yet to hear back from them or you do not receive any information in regards to your claim.

If the phone calls don't appear successful, you may then try contacting them via email.

If the emails also seem unsuccessful you may then resolve to contacting the company supervisor to question what is causing such delays and the lack of communication regarding your claim.

However, as we have previously mentioned, it is advised that you adopt a patient approach as some providers may have concerns if clients appear to be pushy with their claim.

If your adjuster is surpassing a reasonable time frame in which you would expect a response, you may wish to seek help from a law firm or ask the company for a second adjuster as your current adjuster is failing to communicate the cause of any lengthy delays with your claim. 

Final Thoughts

Simply put, it can be difficult to suggest a specific amount of time that it is going to take your adjuster to contact you with a response to your claim.

Once you have contacted your adjuster, it can typically take around 10 days for them to assess whether they are going to accept your claim based on the evidence that you have provided. 

If the provider accepts your claim, you should expect it to take more time for them to assess the evidence in detail. If your home has been subject to damage from a fire, the adjuster is likely to want to visit to gather further evidence.

Once all the evidence has been gathered, the adjuster will need to evaluate how much you are owed. As mentioned throughout the article, the time can vary significantly with some providers taking around 30 days to respond and others taking several months to do so.

This is largely dependent on the state. If you are failing to gain a valuable response from your adjuster within a reasonable time frame, you should first adopt a patient approach, although you may wish to take issues further if you are yet to have a response for a significant amount of time later. 


Thank you for visiting. This website is for informational purposes only. None of the information provided is intended to constitute, nor does it constitute, legal advice, and none of the information necessarily reflects the opinions of Misty Rock Capital LLC dba or anyone associated, employed or affiliated with Misty Rock Capital LLC dba