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Understanding Insurance Claim Status
Learn what each claim stage means, how carriers track progress, and how your VKOVR advisor can help you follow up and stay informed.
Stage-by-stage guide • Carrier follow-up help • Advisor support
Coverage Active
$1.2M
Auto · Home · LifeProtected
Typical Claim Status Stages
Every carrier uses slightly different labels, but most claims move through these general stages.
Submitted
Your carrier has received the claim report. An adjuster is typically assigned within one business day.
In Review
The adjuster reviews your policy, incident details, and initial documentation to determine next steps.
Inspection & Documentation
An inspection may be scheduled and additional photos, estimates, or reports may be requested.
Determination
The adjuster issues a coverage decision — approved, partially approved, or denied — with an explanation.
Settlement Offer
If approved, a settlement amount is calculated. You can review the breakdown with your VKOVR advisor before accepting.
Closed
The claim is resolved — payment issued, repairs authorized, or claim closed after denial or withdrawal.
How to Follow Up on Your Claim
Step 1
Check With Your Carrier
Most carriers provide claim status through their online portal or mobile app. Log in with your policy credentials to see current stage and adjuster contact info.
Step 2
Understand the Stage
Each status reflects where your claim is in the process. Our guide below explains what Submitted, In Review, and other stages typically mean.
Step 3
Contact Your VKOVR Advisor
If status has not changed or you need help interpreting an adjuster decision, your VKOVR advisor can follow up with the carrier on your behalf.
Step 4
Respond to Requests Promptly
When your adjuster requests documentation, respond quickly. Delays on either side can extend the timeline to resolution.
Claim Status FAQ
Claim status is tracked by your insurance carrier — typically through their online portal, mobile app, or claims phone line. Your VKOVR advisor can also help you get an update and explain what the current stage means.
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VKOVR advisors explain what each stage means and can follow up with your carrier on your behalf.
