How Long Does It Take To Receive Renters Insurance Claim? 
That can vary depending on the extent and severity of the loss . If you have suffered a somewhat minor loss , say , for example , the theft of your bicycle , once the claim has been opened and the necessary documentation given to the claims professional , they may in many cases be able to issue a check to you on the spot . If you have suffered a more complicated and extensive loss , for example a fire , then the process would take a bit longer . If you have a `` replacement guarantee '' option on your policy , the initial checks would be issued based upon the depreciated value of your lost items , but as they are replaced , supplemental checks would be issued until the claim is fully settled . All property losses are , of course , subject to your deductible . 