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

For Ohio, obligation is accept or deny claim; deadline is within twenty-one days; day type is days; clock starts from is receipt of properly executed proof(s) of loss; citation is OAC 3901-1-54, recorded from its source on 2026-08-11.

- **State:** Ohio _(our reading, not quoted from the source)_
- **Obligation:** accept or deny claim _(our reading, not quoted from the source)_
- **Deadline:** within twenty-one days _(verified: appears in the quote below)_
- **Day type:** days _(verified: appears in the quote below)_
- **Clock starts from:** receipt of properly executed proof(s) of loss _(verified: appears in the quote below)_
- **Citation:** OAC 3901-1-54
- **Instrument:** regulation _(our reading, not quoted from the source)_
- **Applies to:** property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio

## What the source says

> 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).

## Source

- https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54

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/).