It depends on how complex the claim is, how serious the damages or injuries are, and how willing other involved parties are to cooperate. Better Insurance claims are handled by Toggle®, a member of the Farmers Insurance® family and the underwriter of Better Insurance home policies. Toggle claims representatives will always work towards prompt resolution of every claim. If a claim requires follow-up work, they'll be there with you every step of the way. And, if your claim has been closed and additional damage or injuries are identified later, they'll reopen the claim and determine if your policy provides coverage for the additional expense.