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Get a rough timeline for each phase of an insurance claim. Select the claim type and severity to see the estimated durations.
File claim (FNOL)
Report the damage and open the claim with the carrier
1-3 days
Adjuster inspection
Carrier assigns an adjuster who schedules and performs the property inspection
5-15 days
Initial estimate issued
Adjuster completes the estimate and the carrier issues the initial scope and payment
3-10 days
Supplement submission
Contractor reviews the scope, identifies missed items, and submits a supplement
3-7 days
Supplement review
Carrier reviews the supplement, may request documentation or schedule a re-inspection
7-30 days
Final payment
Carrier approves the supplement and issues the remaining payment
3-14 days
Estimated Total
Wind / Hail / moderate severity
22-79 days
These are rough estimates based on general industry experience. Timelines may vary based on carrier, state regulations, and claim complexity. Adjuster workload, documentation quality, and catastrophe events (CAT) can also extend timelines considerably. Learn more about the claims process
Upload a PDF scope. CapOut processes it and sends it directly to your Xactimate account.
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