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

For Minnesota, obligation is accept or deny claim; deadline is within 30 business days; day type is business days; clock starts from is receipt of notification of claim; citation is 72A.201, recorded from its source on 2026-08-11.

- **State:** Minnesota _(our reading, not quoted from the source)_
- **Obligation:** accept or deny claim _(our reading, not quoted from the source)_
- **Deadline:** within 30 business days _(verified: appears in the quote below)_
- **Day type:** business days _(verified: appears in the quote below)_
- **Clock starts from:** receipt of notification of claim _(verified: appears in the quote below)_
- **Citation:** 72A.201
- **Instrument:** statute _(our reading, not quoted from the source)_

## What the source says

> 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

## Sources disagree

More than one authority states this, and they do not state the same
thing. Both are reproduced with the source each came from.

### Deadline

revisor.mn.gov says deadline is **within 30 business days**, as of 2026-08-11.

> 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

Source: https://www.revisor.mn.gov/statutes/cite/72A.201

revisor.mn.gov says deadline is **within 60 business days**, as of 2026-08-11.

> failing, within 60 business days after receipt of a properly executed proof of loss, to advise the insured of the acceptance or denial of the claim by the insurer

Source: https://www.revisor.mn.gov/statutes/cite/72A.201


### Clock starts from

revisor.mn.gov says clock starts from is **receipt of notification of claim**, as of 2026-08-11.

> 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

Source: https://www.revisor.mn.gov/statutes/cite/72A.201

revisor.mn.gov says clock starts from is **receipt of a properly executed proof of loss**, as of 2026-08-11.

> failing, within 60 business days after receipt of a properly executed proof of loss, to advise the insured of the acceptance or denial of the claim by the insurer

Source: https://www.revisor.mn.gov/statutes/cite/72A.201


## Source

- https://www.revisor.mn.gov/statutes/cite/72A.201

Last verified: 2026-08-11. Review by: 2026-12-09.
Part of [How long an insurer has to acknowledge, decide and pay a claim, by state: statutory and regulatory claim-handling deadlines](https://referencesource.org/insurance-claim-handling-deadlines/).