Filing an insurance claim is the beginning of a process that typically spans 30–90 days for standard property damage. Understanding each stage helps you stay proactive rather than reactive, ensures you meet all deadlines, and positions you to maximize your settlement from day one.
Days 1–3: First Notice of Loss (FNOL)
Document Everything from Day One
Days 3–7: Adjuster Assignment & Initial Contact
Know Your Adjuster Type
Days 7–14: Property Inspection
Never Let the Adjuster Inspect Alone
Days 14–30: Estimate Preparation & Review
Request the Estimate Early
Days 30–60: Settlement Offer & Negotiation
Settlement Offers Are Starting Positions
Days 60–90+: Final Settlement & Repair
Key Takeaways
Document all damage immediately with dated photos and videos before any cleanup.
Be present during the carrier adjuster's inspection and point out every damaged area.
Request a copy of the carrier's Xactimate estimate and review it line-by-line.
Never accept the first settlement offer — it is a starting position for negotiation.
Hire a licensed public adjuster to attend inspections, negotiate, and maximize your recovery.
Drew — Licensed Public Adjuster
Reviewed: October 25, 2026Licensed in Florida and Texas, Drew has helped over 1,500 homeowners recover denied and underpaid insurance claims.