How Long Does It Take To Settle A Renters Insurance Claim? 
If I had to guess on how long it takes to receive a check on a renter 's loss , I would say a good average would be 30 days . Property insurance policies , like a `` Renter 's '' policy usually have an entire section -LRB- that no one reads -RRB- outlining what you as the insured must do following a loss . Generally you have the obligation to notify the insurer promptly and submit a written summary of the items that were lost or damaged , how and when they were acquired , the cost to repair or replace them and their current value.Some claim adjusters may help you in this process , but it is your responsibility and not much happens before it has been completed . Once this `` list '' is prepared AND accepted by the insurer , policies usually state how many days the insurer has to pay you . In practice , however , I would say checks are received within a week or two AFTER your proof of loss is ACCEPTED . I would however expect insurers to question the value certain items , request additional documentation or require proof of purchase on higher valued items . I would also caution insurance consumers to make sure these lists are accurate . Entire claims can be denied because lists -LRB- proofs of loss -RRB- contain information that is questioned and found to be false . Like I had a 52 inch HD TV when it was actually an 18 inch portable you bought at a tag sale . In a serious loss such as a fire or storm loss , insurers often advance partial payments to cover the replacement of necessities or temporary living expenses until the more formal claim process is completed . 