Post-approval workflow
- Decision entered in claim system
- Payment memo generated
- Accounting queues the payment
- Payee verification (policyholder, mortgage holder, contractor)
- Check cut or electronic transfer initiated
- Mail or transfer delivery
- Claim status updated to paid
Typical timing
- Approval to check-cut: 2-5 business days
- Check-cut to mail: 1-2 business days
- Mail delivery: 3-7 business days
- Total: 7-14 business days typical
Payee considerations
Mortgage holder
- If significant, checks often made payable to both
- Mortgage company endorsement required
- Can delay by 2-4 weeks
Multiple parties
- Contractor + policyholder
- Lienholder + policyholder
- Requires coordination
Electronic transfer
- Faster when available
- Payee banking info required
Common delays
- Payee address outdated
- Bank info changes
- Mortgage company endorsement
- Accounting end-of-month timing
If payment is delayed post-approval
- Confirm approval is actually in place
- Check payee address
- Follow up with claim rep
- Escalate if 14+ days with no payment