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insurance-claim-handling-deadlines

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627.70131	an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder	days	Within 60 days	[ "instrument_type", "obligation", "state" ]	accept-or-deny-claim-florida	statute	residential coverage as defined in s. 627.4025(1); structural or contents coverage under a commercial property insurance policy if the insured structure is 10,000 square feet or less; or contents coverage under a commercial tenant policy if the insured premises is 10,000 square feet or less	accept or deny claim	bears interest at the rate set forth in s. 55.03	https://www.flsenate.gov/Laws/Statutes/2025/627.70131	Within 60 days after an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim unless the failure to pay is caused by factors beyond the control of the insurer.	Florida	https://referencesource.org/insurance-claim-handling-deadlines/accept-or-deny-claim-florida/	[ "clock_starts", "day_type", "deadline_days" ]	null
72A.201	receipt of notification of claim	business days	within 30 business days	[ "instrument_type", "obligation", "state" ]	accept-or-deny-claim-minnesota	statute	null	accept or deny claim	null	https://www.revisor.mn.gov/statutes/cite/72A.201	failing to complete its investigation and inform the insured or claimant of acceptance or denial of a claim within 30 business days after receipt of notification of claim unless the investigation cannot be reasonably completed within that time	Minnesota	https://referencesource.org/insurance-claim-handling-deadlines/accept-or-deny-claim-minnesota/	[ "clock_starts", "day_type", "deadline_days" ]	[]
NAC 686A.675	receipt by the insurer of properly executed proofs of loss	working days	Within 30 working days	[ "instrument_type", "obligation", "state" ]	accept-or-deny-claim-nevada	regulation	null	accept or deny claim	null	https://www.leg.state.nv.us/nac/nac-686a.html	Within 30 working days after receipt by the insurer of properly executed proofs of loss, the first-party claimant must be advised of the acceptance or denial of the claim by the insurer.	Nevada	https://referencesource.org/insurance-claim-handling-deadlines/accept-or-deny-claim-nevada/	[ "clock_starts", "day_type", "deadline_days" ]	null
58-63-15	proof-of-loss statements have been completed	days	within a reasonable time	[ "instrument_type", "obligation", "state" ]	accept-or-deny-claim-north-carolina	statute	null	accept or deny claim	null	https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_58/GS_58-63-15.html	Failing to affirm or deny coverage of claims within a reasonable time after proof-of-loss statements have been completed;	North Carolina	https://referencesource.org/insurance-claim-handling-deadlines/accept-or-deny-claim-north-carolina/	[ "clock_starts", "deadline_days" ]	null
OAC 3901-1-54	receipt of properly executed proof(s) of loss	days	within twenty-one days	[ "instrument_type", "obligation", "state" ]	accept-or-deny-claim-ohio	regulation	property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio	accept or deny claim	null	https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54	An insurer shall within twenty-one days of the receipt of properly executed proof(s) of loss decide whether to accept or deny such claim(s).	Ohio	https://referencesource.org/insurance-claim-handling-deadlines/accept-or-deny-claim-ohio/	[ "clock_starts", "day_type", "deadline_days" ]	null
31 Pa. Code 146.7	receipt by the insurer of properly executed proofs of loss	working days	Within 15 working days	[ "instrument_type", "obligation", "state" ]	accept-or-deny-claim-pennsylvania	regulation	insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds	accept or deny claim	null	https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html	Within 15 working days after receipt by the insurer of properly executed proofs of loss, the first-party claimant shall be advised of the acceptance or denial of the claim by the insurer.	Pennsylvania	https://referencesource.org/insurance-claim-handling-deadlines/accept-or-deny-claim-pennsylvania/	[ "clock_starts", "day_type", "deadline_days" ]	null
Ins 6.11	proof of loss has been completed	days	within a reasonable time	[ "instrument_type", "obligation", "state" ]	accept-or-deny-claim-wisconsin	regulation	the kinds of insurance identified in s. Ins 6.75	accept or deny claim	null	https://docs.legis.wisconsin.gov/code/admin_code/ins/6/11	Failure to affirm or deny coverage of claims within a reasonable time after proof of loss has been completed.	Wisconsin	https://referencesource.org/insurance-claim-handling-deadlines/accept-or-deny-claim-wisconsin/	[ "clock_starts", "deadline_days" ]	null
627.70131	an insurer's receiving a communication with respect to a claim	calendar days	within 7 calendar days	[ "instrument_type", "obligation", "state" ]	acknowledge-receipt-of-claim-florida	statute	residential property insurer	acknowledge receipt of claim	null	https://www.flsenate.gov/Laws/Statutes/2025/627.70131	Upon an insurer’s receiving a communication with respect to a claim, the insurer shall, within 7 calendar days, review and acknowledge receipt of such communication unless payment is made within that period of time or unless the failure to acknowledge is caused by factors beyond the control of the insurer.	Florida	https://referencesource.org/insurance-claim-handling-deadlines/acknowledge-receipt-of-claim-florida/	[ "clock_starts", "day_type", "deadline_days" ]	null
72A.201	receiving notification of claim from an insured or a claimant	business days	within ten business days	[ "instrument_type", "obligation", "state" ]	acknowledge-receipt-of-claim-minnesota	statute	except for claims made under a health insurance policy	acknowledge receipt of claim	null	https://www.revisor.mn.gov/statutes/cite/72A.201	except for claims made under a health insurance policy, after receiving notification of claim from an insured or a claimant, failing to acknowledge receipt of the notification of the claim within ten business days, and failing to promptly provide all necessary claim forms and instructions to process the claim, unless t...	Minnesota	https://referencesource.org/insurance-claim-handling-deadlines/acknowledge-receipt-of-claim-minnesota/	[ "clock_starts", "day_type", "deadline_days", "line_of_business" ]	null
NAC 686A.665	receipt of the claim notice	working days	within 20 working days	[ "instrument_type", "obligation", "state" ]	acknowledge-receipt-of-claim-nevada	regulation	null	acknowledge receipt of claim	null	https://www.leg.state.nv.us/nac/nac-686a.html	Every insurer shall acknowledge the receipt of a claim notice within 20 working days after receipt of the claim notice unless payment of the claim is made within that time.	Nevada	https://referencesource.org/insurance-claim-handling-deadlines/acknowledge-receipt-of-claim-nevada/	[ "clock_starts", "day_type", "deadline_days" ]	null
58-63-15	communications with respect to claims arising under insurance policies	days	reasonably promptly	[ "instrument_type", "obligation", "state" ]	acknowledge-receipt-of-claim-north-carolina	statute	null	acknowledge receipt of claim	null	https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_58/GS_58-63-15.html	Failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies;	North Carolina	https://referencesource.org/insurance-claim-handling-deadlines/acknowledge-receipt-of-claim-north-carolina/	[ "clock_starts", "deadline_days" ]	null
OAC 3901-1-54	receiving such notification	days	within fifteen days	[ "instrument_type", "obligation", "state" ]	acknowledge-receipt-of-claim-ohio	regulation	property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio	acknowledge receipt of claim	null	https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54	An insurer shall acknowledge the receipt of a claim within fifteen days of receiving such notification.	Ohio	https://referencesource.org/insurance-claim-handling-deadlines/acknowledge-receipt-of-claim-ohio/	[ "clock_starts", "day_type", "deadline_days" ]	null
31 Pa. Code 146.5	receiving notification of a claim	working days	within 10 working days	[ "instrument_type", "obligation", "state" ]	acknowledge-receipt-of-claim-pennsylvania	regulation	insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds	acknowledge receipt of claim	null	https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html	Every insurer, upon receiving notification of a claim, shall, within 10 working days, acknowledge the receipt of the notice unless payment is made within the period of time.	Pennsylvania	https://referencesource.org/insurance-claim-handling-deadlines/acknowledge-receipt-of-claim-pennsylvania/	[ "clock_starts", "day_type", "deadline_days" ]	null
14VAC5-400-50	receiving notification of a claim	calendar days	within 15 calendar days	[ "instrument_type", "obligation", "state" ]	acknowledge-receipt-of-claim-virginia	regulation	null	acknowledge receipt of claim	null	https://law.lis.virginia.gov/admincode/title14/agency5/chapter400/section50/	An insurer, upon receiving notification of a claim shall, within 15 calendar days, acknowledge the receipt of such notice to the claimant unless payment is made within such period of time, except that if a provider submits a claim, acknowledgment of the claim is satisfied if payment or denial of the claim is made to th...	Virginia	https://referencesource.org/insurance-claim-handling-deadlines/acknowledge-receipt-of-claim-virginia/	[ "clock_starts", "day_type", "deadline_days" ]	null
Ins 6.11	pertinent communications with respect to claims arising under insurance policies	days	promptly	[ "instrument_type", "obligation", "state" ]	acknowledge-receipt-of-claim-wisconsin	regulation	the kinds of insurance identified in s. Ins 6.75	acknowledge receipt of claim	null	https://docs.legis.wisconsin.gov/code/admin_code/ins/6/11	Failure to promptly acknowledge pertinent communications with respect to claims arising under insurance policies.	Wisconsin	https://referencesource.org/insurance-claim-handling-deadlines/acknowledge-receipt-of-claim-wisconsin/	[ "clock_starts", "deadline_days" ]	null
627.70131	an insurer receives proof-of-loss statements	days	within 7 days	[ "instrument_type", "obligation", "state" ]	begin-investigation-florida	statute	residential property insurer	begin investigation	null	https://www.flsenate.gov/Laws/Statutes/2025/627.70131	Unless otherwise provided by the policy of insurance or by law, within 7 days after an insurer receives proof-of-loss statements, the insurer shall begin such investigation as is reasonably necessary unless the failure to begin such investigation is caused by factors beyond the control of the insurer.	Florida	https://referencesource.org/insurance-claim-handling-deadlines/begin-investigation-florida/	[ "clock_starts", "day_type", "deadline_days" ]	null
NAC 686A.670	receipt of notice of the claim	working days	within 20 working days	[ "instrument_type", "obligation", "state" ]	begin-investigation-nevada	regulation	null	begin investigation	null	https://www.leg.state.nv.us/nac/nac-686a.html	Each insurer shall establish procedures to begin an investigation of any claim within 20 working days of receipt of notice of the claim.	Nevada	https://referencesource.org/insurance-claim-handling-deadlines/begin-investigation-nevada/	[ "clock_starts", "day_type", "deadline_days" ]	null
72A.201	receipt of notification of claim	business days	within 30 business days	[ "instrument_type", "obligation", "state" ]	complete-investigation-minnesota	statute	null	complete investigation	null	https://www.revisor.mn.gov/statutes/cite/72A.201	failing to complete its investigation and inform the insured or claimant of acceptance or denial of a claim within 30 business days after receipt of notification of claim unless the investigation cannot be reasonably completed within that time	Minnesota	https://referencesource.org/insurance-claim-handling-deadlines/complete-investigation-minnesota/	[ "clock_starts", "day_type", "deadline_days" ]	null
NAC 686A.670	receiving notice of the claim	days	within 30 days	[ "instrument_type", "obligation", "state" ]	complete-investigation-nevada-2	regulation	null	complete investigation	null	https://www.leg.state.nv.us/nac/nac-686a.html	Each insurer shall complete an investigation of each claim within 30 days after receiving notice of the claim, unless the investigation cannot reasonably be completed within that time.	Nevada	https://referencesource.org/insurance-claim-handling-deadlines/complete-investigation-nevada-2/	[ "clock_starts", "day_type", "deadline_days" ]	null
31 Pa. Code 146.6	notification of claim	days	within 30 days	[ "instrument_type", "obligation", "state" ]	complete-investigation-pennsylvania	regulation	insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds	complete investigation	null	https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html	Every insurer shall complete investigation of a claim within 30 days after notification of claim, unless the investigation cannot reasonably be completed within the time.	Pennsylvania	https://referencesource.org/insurance-claim-handling-deadlines/complete-investigation-pennsylvania/	[ "clock_starts", "day_type", "deadline_days" ]	null
WAC 284-30-370	notification of claim	days	within thirty days	[ "instrument_type", "obligation", "state" ]	complete-investigation-washington	regulation	all first-party claims	complete investigation	null	https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-370	Every insurer must complete its investigation of a claim within thirty days after notification of claim, unless the investigation cannot reasonably be completed within that time.	Washington	https://referencesource.org/insurance-claim-handling-deadlines/complete-investigation-washington/	[ "clock_starts", "day_type", "deadline_days" ]	null
627.70131	its receipt of the proof-of-loss statements	days	within 30 days	[ "instrument_type", "obligation", "state" ]	conduct-physical-inspection-florida	statute	residential property insurer	conduct physical inspection	null	https://www.flsenate.gov/Laws/Statutes/2025/627.70131	An insurer must conduct any such physical inspection within 30 days after its receipt of the proof-of-loss statements.	Florida	https://referencesource.org/insurance-claim-handling-deadlines/conduct-physical-inspection-florida/	[ "clock_starts", "day_type", "deadline_days" ]	null
72A.201	the investigation cannot reasonably be completed within that time	days	within the time period	[ "instrument_type", "obligation", "state" ]	notify-of-need-for-more-time-minnesota	statute	null	notify of need for more time	null	https://www.revisor.mn.gov/statutes/cite/72A.201	In the event that the investigation cannot reasonably be completed within that time, the insurer shall notify the insured or claimant within the time period of the reasons why the investigation is not complete and the expected date the investigation will be complete.	Minnesota	https://referencesource.org/insurance-claim-handling-deadlines/notify-of-need-for-more-time-minnesota/	[ "clock_starts", "deadline_days" ]	null
NAC 686A.675	receipt of the proof of loss	working days	within 30 working days	[ "instrument_type", "obligation", "state" ]	notify-of-need-for-more-time-nevada	regulation	null	notify of need for more time	null	https://www.leg.state.nv.us/nac/nac-686a.html	If the insurer needs more time to determine whether a claim of a first-party claimant should be accepted or denied, it must so notify the claimant within 30 working days after receipt of the proof of loss giving reasons that more time is needed.	Nevada	https://referencesource.org/insurance-claim-handling-deadlines/notify-of-need-for-more-time-nevada/	[ "clock_starts", "day_type", "deadline_days" ]	[]
OAC 3901-1-54	receipt of properly executed proof(s) of loss	days	within the twenty-one day period	[ "instrument_type", "obligation", "state" ]	notify-of-need-for-more-time-ohio	regulation	property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio	notify of need for more time	null	https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54	If more time is needed to investigate the claim than the twenty-one days allow, the insurer shall notify the claimant within the twenty-one day period, and provide an explanation of the need for more time.	Ohio	https://referencesource.org/insurance-claim-handling-deadlines/notify-of-need-for-more-time-ohio/	[ "day_type", "deadline_days" ]	[]
31 Pa. Code 146.6	the investigation cannot be completed within 30 days	days	every 45 days	[ "instrument_type", "obligation", "state" ]	notify-of-need-for-more-time-pennsylvania	regulation	insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds	notify of need for more time	null	https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html	If the investigation cannot be completed within 30 days, and every 45 days thereafter, the insurer shall provide the claimant with a reasonable written explanation for the delay and state when a decision on the claim may be expected.	Pennsylvania	https://referencesource.org/insurance-claim-handling-deadlines/notify-of-need-for-more-time-pennsylvania/	[ "clock_starts", "day_type", "deadline_days" ]	[]
72A.201	receipt of the agreement by the insurer or from the date of the performance by the claimant of any conditions set by such agreement, whichever is later	business days	within five business days	[ "instrument_type", "obligation", "state" ]	pay-accepted-claim-minnesota	statute	null	pay accepted claim	null	https://www.revisor.mn.gov/statutes/cite/72A.201	failing to issue payment for any amount finally agreed upon in settlement of all or part of any claim within five business days from the receipt of the agreement by the insurer or from the date of the performance by the claimant of any conditions set by such agreement, whichever is later	Minnesota	https://referencesource.org/insurance-claim-handling-deadlines/pay-accepted-claim-minnesota/	[ "clock_starts", "day_type", "deadline_days" ]	null
NAC 686A.675	it is accepted	days	within 30 days	[ "instrument_type", "obligation", "state" ]	pay-accepted-claim-nevada	regulation	null	pay accepted claim	the insurer shall pay interest on the claim at the rate of interest established pursuant to	https://www.leg.state.nv.us/nac/nac-686a.html	If the claim of the first-party claimant is accepted, the insurer shall pay the claim within 30 days after it is accepted. If the accepted claim is not paid within that period, the insurer shall pay interest on the claim at the rate of interest established pursuant to	Nevada	https://referencesource.org/insurance-claim-handling-deadlines/pay-accepted-claim-nevada/	[ "clock_starts", "day_type", "deadline_days", "penalty_or_interest" ]	null
58-63-15	liability has become reasonably clear	days	prompt	[ "instrument_type", "obligation", "state" ]	pay-accepted-claim-north-carolina	statute	null	pay accepted claim	null	https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_58/GS_58-63-15.html	Not attempting in good faith to effectuate prompt, fair and equitable settlements of claims in which liability has become reasonably clear;	North Carolina	https://referencesource.org/insurance-claim-handling-deadlines/pay-accepted-claim-north-carolina/	[ "clock_starts", "deadline_days" ]	null
OAC 3901-1-54	acceptance of a claim if the amount of the claim is determined and is not in dispute	days	no later than ten days	[ "instrument_type", "obligation", "state" ]	pay-accepted-claim-ohio	regulation	property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio	pay accepted claim	null	https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54	An insurer shall tender payment to a first party claimant no later than ten days after acceptance of a claim if the amount of the claim is determined and is not in dispute, unless the settlement involves a structured settlement, action by a probate court, or other extraordinary circumstances as documented in the claim ...	Ohio	https://referencesource.org/insurance-claim-handling-deadlines/pay-accepted-claim-ohio/	[ "clock_starts", "day_type", "deadline_days" ]	null
72A.201	receiving notification of claim from an insured or a claimant	days	promptly	[ "instrument_type", "obligation", "state" ]	provide-claim-forms-minnesota	statute	except for claims made under a health insurance policy	provide claim forms	null	https://www.revisor.mn.gov/statutes/cite/72A.201	except for claims made under a health insurance policy, after receiving notification of claim from an insured or a claimant, failing to acknowledge receipt of the notification of the claim within ten business days, and failing to promptly provide all necessary claim forms and instructions to process the claim, unless t...	Minnesota	https://referencesource.org/insurance-claim-handling-deadlines/provide-claim-forms-minnesota/	[ "clock_starts", "day_type", "deadline_days", "line_of_business" ]	null
NAC 686A.665	receiving notification of claim	days	promptly	[ "instrument_type", "obligation", "state" ]	provide-claim-forms-nevada	regulation	null	provide claim forms	null	https://www.leg.state.nv.us/nac/nac-686a.html	Nevada law or regulation.	Nevada	https://referencesource.org/insurance-claim-handling-deadlines/provide-claim-forms-nevada/	null	null
31 Pa. Code 146.5	receiving notification of claim	working days	within 10 working days	[ "instrument_type", "obligation", "state" ]	provide-claim-forms-pennsylvania	regulation	insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds	provide claim forms	null	https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html	Every insurer, upon receiving notification of claim, shall provide within 10 working days necessary claim forms, instructions and reasonable assistance so that first-party claimants can comply with the policy conditions and reasonable requirements of the insurer.	Pennsylvania	https://referencesource.org/insurance-claim-handling-deadlines/provide-claim-forms-pennsylvania/	[ "clock_starts", "day_type", "deadline_days" ]	null
14VAC5-400-50	receiving notification of a claim	days	promptly	[ "instrument_type", "obligation", "state" ]	provide-claim-forms-virginia	regulation	null	provide claim forms	null	https://law.lis.virginia.gov/admincode/title14/agency5/chapter400/section50/	Upon receiving notification of a claim, an insurer shall promptly provide necessary claim forms, instructions, and reasonable assistance in order for the claimant to comply with the applicable policy conditions and the insurer's reasonable requirements.	Virginia	https://referencesource.org/insurance-claim-handling-deadlines/provide-claim-forms-virginia/	[ "clock_starts", "deadline_days" ]	null
Ins 6.11	claims arising under its insurance policies	days	promptly	[ "instrument_type", "obligation", "state" ]	provide-claim-forms-wisconsin	regulation	the kinds of insurance identified in s. Ins 6.75	provide claim forms	null	https://docs.legis.wisconsin.gov/code/admin_code/ins/6/11	Failure to promptly provide necessary claims forms, instructions and reasonable assistance to insureds and claimants under its insurance policies.	Wisconsin	https://referencesource.org/insurance-claim-handling-deadlines/provide-claim-forms-wisconsin/	[ "deadline_days" ]	null
72A.201	receipt, to all other communications about a claim from an insured or a claimant that reasonably indicate a response is requested or needed	business days	within ten business days	[ "instrument_type", "obligation", "state" ]	reply-to-communication-minnesota	statute	null	reply to communication	null	https://www.revisor.mn.gov/statutes/cite/72A.201	failing to reply, within ten business days of receipt, to all other communications about a claim from an insured or a claimant that reasonably indicate a response is requested or needed	Minnesota	https://referencesource.org/insurance-claim-handling-deadlines/reply-to-communication-minnesota/	[ "clock_starts", "day_type", "deadline_days" ]	null
NAC 686A.665	receipt of any other pertinent communication from a claimant if the communication reasonably suggests that a response is expected	working days	within 20 working days	[ "instrument_type", "obligation", "state" ]	reply-to-communication-nevada	regulation	null	reply to communication	null	https://www.leg.state.nv.us/nac/nac-686a.html	An appropriate reply must be made within 20 working days after receipt of any other pertinent communication from a claimant if the communication reasonably suggests that a response is expected.	Nevada	https://referencesource.org/insurance-claim-handling-deadlines/reply-to-communication-nevada/	[ "clock_starts", "day_type", "deadline_days" ]	null
OAC 3901-1-54	any communication from a claimant, when that communication suggests a response is appropriate	days	within fifteen days	[ "instrument_type", "obligation", "state" ]	reply-to-communication-ohio	regulation	property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio	reply to communication	null	https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54	An insurer shall respond within fifteen days to any communication from a claimant, when that communication suggests a response is appropriate.	Ohio	https://referencesource.org/insurance-claim-handling-deadlines/reply-to-communication-ohio/	[ "clock_starts", "day_type", "deadline_days" ]	null
31 Pa. Code 146.5	other pertinent communications from a claimant which reasonably suggest that a response is expected	working days	within 10 working days	[ "instrument_type", "obligation", "state" ]	reply-to-communication-pennsylvania	regulation	insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds	reply to communication	null	https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html	An appropriate reply shall be made within 10 working days on other pertinent communications from a claimant which reasonably suggest that a response is expected.	Pennsylvania	https://referencesource.org/insurance-claim-handling-deadlines/reply-to-communication-pennsylvania/	[ "clock_starts", "day_type", "deadline_days" ]	null
14VAC5-400-50	all other pertinent communications from a claimant that reasonably suggest that a response is expected	calendar days	within 15 calendar days	[ "instrument_type", "obligation", "state" ]	reply-to-communication-virginia	regulation	null	reply to communication	null	https://law.lis.virginia.gov/admincode/title14/agency5/chapter400/section50/	An appropriate reply shall be made within 15 calendar days on all other pertinent communications from a claimant that reasonably suggest that a response is expected.	Virginia	https://referencesource.org/insurance-claim-handling-deadlines/reply-to-communication-virginia/	[ "clock_starts", "day_type", "deadline_days" ]	null
Ins 6.11	receipt of a communication concerning a claim	days	within 10 consecutive days	[ "instrument_type", "obligation", "state" ]	reply-to-communication-wisconsin	regulation	the kinds of insurance identified in s. Ins 6.75	reply to communication	null	https://docs.legis.wisconsin.gov/code/admin_code/ins/6/11	Except where a different period is specified by statute or rule and except for good cause shown, the terms “prompt” and “promptly” as used in this rule shall mean responsive action within 10 consecutive days from receipt of a communication concerning a claim.	Wisconsin	https://referencesource.org/insurance-claim-handling-deadlines/reply-to-communication-wisconsin/	[ "clock_starts", "day_type", "deadline_days" ]	null
627.70131	the estimate is generated by an insurer's adjuster	days	within 7 days	[ "instrument_type", "obligation", "state" ]	send-loss-estimate-florida	statute	residential property insurer	send loss estimate	null	https://www.flsenate.gov/Laws/Statutes/2025/627.70131	The insurer must send the policyholder a copy of any detailed estimate of the amount of the loss within 7 days after the estimate is generated by an insurer’s adjuster.	Florida	https://referencesource.org/insurance-claim-handling-deadlines/send-loss-estimate-florida/	[ "day_type", "deadline_days" ]	null

How long an insurer has to acknowledge, decide and pay a claim, by state: statutory and regulatory claim-handling deadlines

Canonical, always-current version: https://referencesource.org/insurance-claim-handling-deadlines/ Machine-readable: https://referencesource.org/insurance-claim-handling-deadlines/data.json — this mirror is a point-in-time copy.

Last verified: 2026-08-11
Stale after: 2026-12-09 (past this date, prefer the canonical copy — it re-verifies on a cadence this snapshot does not)
Records: 42

The deadlines each US state puts on an insurance company handling a claim: how many days to acknowledge that a claim was received, how many days to reply to a policyholder's communication, how many days to accept or deny the claim after receiving proof of loss, how many days to pay once it has accepted, and what interest or penalty runs if it misses. Each record is one deadline in one state, carrying the number of days exactly as the state writes it, whether they are calendar, business or working days, the event the clock starts from, the citation to the statute or administrative rule that sets it, and the verbatim sentence. Answers 'how long does an insurance company have to pay a claim in Texas', 'what is the deadline for an insurer to deny a claim', 'how many days does my insurer have to acknowledge my claim in Ohio', and 'my insurer has had my proof of loss for 46 days — has a deadline passed'. No single original exists: every state adopted its own version of the NAIC Unfair Claims Settlement Practices model, half of them in a statute and half in an administrative rule, and NAIC's own topic page for it is now a 404.

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Facts extracted from state statutes and administrative codes published free by state legislatures, secretaries of state and code publishers. Statutory text is not copyrightable in the United States. Each record quotes one sentence and links back to the state's own page for it. No compilation is reproduced.

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