Delay is receiving claim funds is not uncommon for insurance. As far as I can tell, it's standard practice in the industry. I once had to file for a theft of property rom my apartment while I was in university. Took well over 3 months before all the claims were settled, although I kept getting special permission to purchase certain "essential" items with quick refund (TV, clothes, etc.). It seemed they were trying to figure out if I was scamming them in some kind of fraudulent claim...how desparate was I to get the claim funds...

Mike.