1) There is no set length of time they have to process a claim. At some point, if you feel that they have taken too long and are simply not processing it, you could sue your insurer for "breach of contract" (since an insurance policy is a contract) on the theory that they are violating their contractual obligations to you, but would have to prove that they have taken an unreasonably long time under the circumstances.(If your claim is denied and you believe it should not have been, you could also sue for "breach of contract" and attempt to prove that under the facts and terms of the policy, they were obligated to pay.)2) They can ask about your personal finances if they believe that there is some reason to think, or at least suspect, that this may be a a fraudulent claim (claiming for more than was stolen; or claiming when there was no real theft and you faked the burglary). Your finances are relevant or germane since they go to your need or motivation to commmit insurance fraud. Insurers are allowed to investigate when they believe their may be fraud; again, however, if you feel that they are unreasonably refusing to process a claim when they should, your recourse would be to sue them for breach of contract.