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

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.

Records42

Sources9

Verified2026-08-11

Review by2026-12-09

LicenceFacts 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.

4 records where two or more sources state different values. Both sides are reproduced on the record page, each with its own source and quote.

The data

State	Obligation	Deadline	Day type	Clock starts from	Citation	Instrument	Interest or penalty	Applies to
Florida	accept or deny claim	Within 60 days	days	an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder	627.70131	statute	bears interest at the rate set forth in s. 55.03	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
Minnesotasources differ	accept or deny claim	within 30 business days	business days	receipt of notification of claim	72A.201	statute
Nevada	accept or deny claim	Within 30 working days	working days	receipt by the insurer of properly executed proofs of loss	NAC 686A.675	regulation
North Carolina	accept or deny claim	within a reasonable time	days	proof-of-loss statements have been completed	58-63-15	statute
Ohio	accept or deny claim	within twenty-one days	days	receipt of properly executed proof(s) of loss	OAC 3901-1-54	regulation		property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio
Pennsylvania	accept or deny claim	Within 15 working days	working days	receipt by the insurer of properly executed proofs of loss	31 Pa. Code 146.7	regulation		insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds
Wisconsin	accept or deny claim	within a reasonable time	days	proof of loss has been completed	Ins 6.11	regulation		the kinds of insurance identified in s. Ins 6.75
Florida	acknowledge receipt of claim	within 7 calendar days	calendar days	an insurer's receiving a communication with respect to a claim	627.70131	statute		residential property insurer
Minnesota	acknowledge receipt of claim	within ten business days	business days	receiving notification of claim from an insured or a claimant	72A.201	statute		except for claims made under a health insurance policy
Nevada	acknowledge receipt of claim	within 20 working days	working days	receipt of the claim notice	NAC 686A.665	regulation
North Carolina	acknowledge receipt of claim	reasonably promptly	days	communications with respect to claims arising under insurance policies	58-63-15	statute
Ohio	acknowledge receipt of claim	within fifteen days	days	receiving such notification	OAC 3901-1-54	regulation		property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio
Pennsylvania	acknowledge receipt of claim	within 10 working days	working days	receiving notification of a claim	31 Pa. Code 146.5	regulation		insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds
Virginia	acknowledge receipt of claim	within 15 calendar days	calendar days	receiving notification of a claim	14VAC5-400-50	regulation
Wisconsin	acknowledge receipt of claim	promptly	days	pertinent communications with respect to claims arising under insurance policies	Ins 6.11	regulation		the kinds of insurance identified in s. Ins 6.75
Florida	begin investigation	within 7 days	days	an insurer receives proof-of-loss statements	627.70131	statute		residential property insurer
Nevada	begin investigation	within 20 working days	working days	receipt of notice of the claim	NAC 686A.670	regulation
Minnesota	complete investigation	within 30 business days	business days	receipt of notification of claim	72A.201	statute
Nevada	complete investigation	within 30 days	days	receiving notice of the claim	NAC 686A.670	regulation
Pennsylvania	complete investigation	within 30 days	days	notification of claim	31 Pa. Code 146.6	regulation		insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds
Washington	complete investigation	within thirty days	days	notification of claim	WAC 284-30-370	regulation		all first-party claims
Florida	conduct physical inspection	within 30 days	days	its receipt of the proof-of-loss statements	627.70131	statute		residential property insurer
Minnesota	notify of need for more time	within the time period	days	the investigation cannot reasonably be completed within that time	72A.201	statute
Nevadasources differ	notify of need for more time	within 30 working days	working days	receipt of the proof of loss	NAC 686A.675	regulation
Ohiosources differ	notify of need for more time	within the twenty-one day period	days	receipt of properly executed proof(s) of loss	OAC 3901-1-54	regulation		property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio
Pennsylvaniasources differ	notify of need for more time	every 45 days	days	the investigation cannot be completed within 30 days	31 Pa. Code 146.6	regulation		insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds
Minnesota	pay accepted claim	within five business days	business days	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	72A.201	statute
Nevada	pay accepted claim	within 30 days	days	it is accepted	NAC 686A.675	regulation	the insurer shall pay interest on the claim at the rate of interest established pursuant to
North Carolina	pay accepted claim	prompt	days	liability has become reasonably clear	58-63-15	statute
Ohio	pay accepted claim	no later than ten days	days	acceptance of a claim if the amount of the claim is determined and is not in dispute	OAC 3901-1-54	regulation		property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio
Minnesota	provide claim forms	promptly	days	receiving notification of claim from an insured or a claimant	72A.201	statute		except for claims made under a health insurance policy
Nevada	provide claim forms	promptly	days	receiving notification of claim	NAC 686A.665	regulation
Pennsylvania	provide claim forms	within 10 working days	working days	receiving notification of claim	31 Pa. Code 146.5	regulation		insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds
Virginia	provide claim forms	promptly	days	receiving notification of a claim	14VAC5-400-50	regulation
Wisconsin	provide claim forms	promptly	days	claims arising under its insurance policies	Ins 6.11	regulation		the kinds of insurance identified in s. Ins 6.75
Minnesota	reply to communication	within ten business days	business days	receipt, to all other communications about a claim from an insured or a claimant that reasonably indicate a response is requested or needed	72A.201	statute
Nevada	reply to communication	within 20 working days	working days	receipt of any other pertinent communication from a claimant if the communication reasonably suggests that a response is expected	NAC 686A.665	regulation
Ohio	reply to communication	within fifteen days	days	any communication from a claimant, when that communication suggests a response is appropriate	OAC 3901-1-54	regulation		property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio
Pennsylvania	reply to communication	within 10 working days	working days	other pertinent communications from a claimant which reasonably suggest that a response is expected	31 Pa. Code 146.5	regulation		insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds
Virginia	reply to communication	within 15 calendar days	calendar days	all other pertinent communications from a claimant that reasonably suggest that a response is expected	14VAC5-400-50	regulation
Wisconsin	reply to communication	within 10 consecutive days	days	receipt of a communication concerning a claim	Ins 6.11	regulation		the kinds of insurance identified in s. Ins 6.75
Florida	send loss estimate	within 7 days	days	the estimate is generated by an insurer's adjuster	627.70131	statute		residential property insurer

Where this came from

Every record above links the page it was taken from and quotes the sentence that states it. These are the 9 sources this dataset was assembled from.

flsenate.govhttps://www.flsenate.gov/Laws/Statutes/2025/627.70131
revisor.mn.govhttps://www.revisor.mn.gov/statutes/cite/72A.201
leg.state.nv.ushttps://www.leg.state.nv.us/nac/nac-686a.html
ncleg.govhttps://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_58/GS_58-63-15.html
codes.ohio.govhttps://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54
pacodeandbulletin.govhttps://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html
docs.legis.wisconsin.govhttps://docs.legis.wisconsin.gov/code/admin_code/ins/6/11
law.lis.virginia.govhttps://law.lis.virginia.gov/admincode/title14/agency5/chapter400/section50/
app.leg.wa.govhttps://app.leg.wa.gov/WAC/default.aspx?cite=284-30-370

Machine-readable

data.jsonThe whole dataset — every record with its source URL and source quote.
Open Knowledge Format bundleOne JSON object per line — every record's frontmatter and quoted span exactly as it is held here, in one fetch.
How this is made and checkedWhat "verified against source" does and does not mean.

42 records. last verified against source 2026-08-11. due for re-check by 2026-12-09.

Licence. 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.