How long do insurance payouts take after ACV is agreed? (Stolen vehicle – appraisal clause)

I’m trying to understand realistic payout timelines after an insurance company finally agrees on value. This has been dragging on for months and I’m stuck without a vehicle.

Timeline:

11/09/2025 – Discovered my vehicle was stolen and opened the claim the same day
Insurance requested bank statements, police report, photos of keys, maintenance records, and photos of the vehicle (all submitted promptly)

11/26/2025 – I received an email with forms including:
Power of Attorney
Odometer disclosure statement
Prepaid UPS label
Instructions to send in the title, keys, and signed forms for payment
At this point, I still had not been told how much they were paying.

I called immediately to ask about the payout amount. The rep then emailed me the market valuation report.
The valuation was extremely low (nowhere near market value). I called the adjuster to ask how to dispute it. He told me I “can’t just say I don’t like it” and to “read my policy.”
That same day, I hired an independent appraiser (out of pocket, $500).
His appraisal came back at nearly $30k, roughly 3x the insurer’s number.

12/12/2025 – I submitted the independent appraisal to the insurance company, invoking the appraisal clause.
The insurer then hired their own appraiser. The two appraisers negotiated.

01/08/2026 – My appraiser contacted me and confirmed they had agreed on an ACV of $26k.

01/09/2026 – I signed the appraisal agreement and submitted it to the insurer.

01/14/2026 – I followed up. The adjuster confirmed they received the agreed ACV and said it was now with a “review team,” but there was no timeline for review or payment.

01/16/2026 (today) – I followed up again and was immediately sent an updated market valuation report reflecting the new ACV.

My question:
Once the appraisal clause process is complete and both appraisers have agreed on the ACV — how long does it usually take for payment to be issued?
I’m actively trying to replace the stolen vehicle and can’t move forward without the funds. Is it normal for insurers to say there’s no timeline after value is finalized? At what point does this become unreasonable?

Any insight from adjusters, attorneys, or people who’ve been through this would be appreciated.