Legal Question in Wills and Trusts in California

An attorney is not required. However the claim process can be complicated. Not only do they normally request the original insurance policy or an affidavit of loss, they may require a number of other documents. They will also often try to steer you into other investment vehicles to allow them to retain the money, like investment accounts, annuities or other deferred payout options. Be careful, and if you are not comfortable, consider an attorney, CPA or other financial advisor.

Just to amplify what Mr. Christian said - the new insurance company trick (not used by all of them) is to put the funds into a money market account in your name, so that until you spend it, the money is still earning interest for them. If they do this to you, feel free to cash out the account all at once.