It usually means the claim is progressing, not stalling — but a disorganized response can turn a routine request into a real delay.
Ask exactly what's missing, not just "more evidence"
Get the adjuster to specify precisely what they need — a clearer photo of a specific area, an itemized repair estimate rather than a lump sum, proof of ownership for a specific item. A vague request handled with a vague response is how claims stall for weeks.
Photographs and visual evidence
Send clear, well-lit photos from multiple angles, including wide shots that show context alongside close-ups of the specific damage. If the original photos were taken quickly after the incident, note the date they were taken versus the current date.
Financial evidence
Original receipts are strongest; where unavailable, bank or credit card statements showing the purchase are a reasonable substitute. For repair or replacement costs, an itemized quote from a named business carries more weight than a round-number estimate.
Reports and ownership evidence
Police or official incident reports, if one exists, and anything establishing ownership of higher-value items — warranty cards, serial numbers, or prior photos showing the item in use. Send copies, never your only original of any physical document.
Communications — keep them, don't just summarize them
If the adjuster is asking for something because of confusion over a prior conversation, forward the actual written record if one exists, rather than re-explaining from memory. This is exactly why keeping a running communication log from day one of the claim matters.
Organize before you send, not after
Send everything in one clearly labeled package — by claim number, dated, and organized by category — rather than a scattered series of separate emails. This makes it far easier for the adjuster to process quickly, and gives you a clean copy of exactly what was submitted and when.
Sources
Related Kibbo Tools
- Insurance Claim Evidence Checklist — confirm you have every type of evidence an adjuster is likely to ask for.
- Insurance Claim Evidence Pack — organize and submit everything as one clear, complete package.