There is no standard timeframe for resolving an insurance claim.

Some straightforward claims can be resolved relatively quickly, while complex liability, injury or professional claims can continue for months or years. No particular timeframe can be guaranteed.

What can affect the timeframe? #

Factors can include:

• The type and complexity of the claim
• The amount being claimed
• Whether liability or policy cover is disputed
• The number of parties involved
• The availability of documents and other information
• Witness evidence
• Expert, medical or technical reports
• Ongoing treatment or the need to understand longer-term effects of an injury
• Negotiations between the parties
• Court or tribunal proceedings
• Delays obtaining information

What happens while the claim is being assessed? #

Depending on the circumstances, the insurer and appointed advisers may need to:

• Investigate the incident or allegation
• Review contracts, correspondence and other records
• Obtain information from the insured and other parties
• Engage lawyers or experts
• Assess liability, loss and the amount claimed
• Negotiate with the claimant
• Defend legal proceedings

A relatively straightforward property damage or liability matter may be resolved without formal litigation. Where proceedings are commenced, timing can depend on procedural steps, evidence, experts, negotiations and the court or tribunal timetable.

Can different types of claims take different amounts of time? #

Yes.

A Public Liability injury claim may need to remain open while medical treatment continues or the longer-term effects of the injury become clearer.

A Professional Indemnity claim can require detailed review of professional services, contracts, technical evidence and allegations involving several parties.

The insurer may also need to investigate both whether the insured is legally liable and whether the policy responds.

Webber Insurance can assist with communication between you and the insurer, monitor progress and follow up as the claim develops.

Contact our team if you need assistance with an existing claim.