Unfortunately, I've had to file two claims with SquareTrade in the past year. One for a fried up laptop hard drive and another for a Kindle e-Reader. From the time I contacted SquareTrade regarding the damaged laptop to the time it came back to me in perfectly renewed condition could not have been more than a week. As for the damaged Kindle, SquareTrade issued me an Amazon gift card (plus 5% over the original warranty amount) within 3 days of informing them. Of course, as soon as we purchased and received the replacement Kindle Fire HD we immediately purchased a SquareTrade Warranty because of our flawless previous experiences with them.