There can be huge differences between claims that can make one claim take a few weeks for a payout to occur, while the same kind of damage can still be buried in paperwork for months later. Why? What are these vast differences? Assuming you're not falling behind the home insurance claim time limit, things like how much damage occurred, the specifics of the incident, the kind of damage that it is, and recent claims that you have made can affect the response time to different claims. The insurer has the right, and responsibility, to thoroughly examine the claim and understand the incident before looking at policy and the individual to determine whether a payout is appropriate, and if so, how much. No two situations or claims are unique, and what took someone else months might take you weeks, or vice versa. As with all kinds of insurance or bureaucracy, your case can differ from someone else's, and there's no real way around that.