The disaster has passed, the expert has come, but the money isn't arriving. Claims management is sometimes an obstacle course where the insurance's silence adds to financial anxiety. However, Insurance Codes often impose very strict deadlines.
Standard legal deadlines
The starting point of the deadline is not the day of the claim, but the day of agreement on the compensation amount (when you sign the expert's or insurer's offer). From this date:
- The insurer generally has 1 month to pay you the compensation stipulated in the contract (check your general conditions).
- If the claim involves third parties (e.g. water damage caused by a neighbor), it can take longer due to inter-insurance agreements.
How to speed up the process?
The leading cause of delayed compensation is an incomplete file. The insurer will constantly ask you for new documents, legible invoices, additional proofs. To avoid this, provide a perfect and complete file from day one. The claim report generated in one click by SafeInventa groups the list of objects, their value, photos, and scanned purchase receipts, cutting short any request for additional documents and thus facilitating the process.