When it comes to claims, insurance companies operate like high-speed trains. Their goal is to take insurance claims from Point A to Point B as quickly as possible with no stops.

Anything that might slow a claim down has to go through a strict cost-benefit analysis and management approval.

So, if speed is the “status quo,” then why do claims get contentious and drag out for months or years?

Usually, because insureds don’t understand insurance and what it covers. They were sold a policy they believed protected them from bad things happening, and when something terrible occurs, the policy doesn’t respond as expected.

The vast majority of adjusters are in the business of paying claims. They want to find coverage and pay what is owed under the policy.