The length of time it takes to pay out a cargo insurance claim can vary depending on a number of factors, including the complexity of the claim, the size of the claim, the availability of supporting documentation, and the terms and conditions of the insurance policy.

In general, the process of filing a cargo insurance claim typically involves the following steps:

1. Notification: The policyholder must notify the insurance company as soon as possible after the loss or damage occurs. This should be done in writing, and include details about the loss or damage and any supporting documentation.
2. Investigation: The insurance company will review the claim and may conduct an investigation to determine the cause of the loss or damage and the extent of the coverage. This may involve reviewing documentation, examining the damaged goods, and speaking with witnesses or experts.
3. Payment: If the claim is approved, the insurance company will pay out the claim according to the terms and conditions of the policy. The payment may be made in a single lump sum or in installments.

The length of time it takes to complete these steps can vary widely, but it is generally recommended that the policyholder notify the insurance company as soon as possible after the loss or damage occurs to help expedite the process.