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Some states require the check to be sent in a certain number of days about 15 or 20 if the loss and coverage is certain. Check with your states department of insurance for your specific time period. If there are questions, and many times there are, about the circumstances of the fire, or if coverage is in question, the insurance company will not pay until those issues are resolved. It is routine to investigate almost all insured home fires for arson, but that usually takes place within a week or two of the fire.
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