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

For North Carolina, obligation is accept or deny claim; deadline is within a reasonable time; day type is days; clock starts from is proof-of-loss statements have been completed; citation is 58-63-15, recorded from its source on 2026-08-11.

- **State:** North Carolina _(our reading, not quoted from the source)_
- **Obligation:** accept or deny claim _(our reading, not quoted from the source)_
- **Deadline:** within a reasonable time _(verified: appears in the quote below)_
- **Day type:** days
- **Clock starts from:** proof-of-loss statements have been completed _(verified: appears in the quote below)_
- **Citation:** 58-63-15
- **Instrument:** statute _(our reading, not quoted from the source)_

## What the source says

> Failing to affirm or deny coverage of claims within a reasonable time after proof-of-loss statements have been completed;

## Source

- https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_58/GS_58-63-15.html

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/).