In Pennsylvania, after you file an insurance claim, the company has 30 days to investigate that claim or to deny or accept your claim. If there is a reasonable cause that the insurance company cannot complete its investigation within those 30 days, at the end of 30 days, they must provide you with a "reasonable written explanation" as to why the investigation has been delayed. If the delay continues, they must write you a similar explanation every 45 days explaining the cause for the delay, and let you know when you can expect a decision.