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

For Pennsylvania, obligation is accept or deny claim; deadline is Within 15 working days; day type is working days; clock starts from is receipt by the insurer of properly executed proofs of loss; citation is 31 Pa. Code 146.7, recorded from its source on 2026-08-11.

- **State:** Pennsylvania _(our reading, not quoted from the source)_
- **Obligation:** accept or deny claim _(our reading, not quoted from the source)_
- **Deadline:** Within 15 working days _(verified: appears in the quote below)_
- **Day type:** working days _(verified: appears in the quote below)_
- **Clock starts from:** receipt by the insurer of properly executed proofs of loss _(verified: appears in the quote below)_
- **Citation:** 31 Pa. Code 146.7
- **Instrument:** regulation _(our reading, not quoted from the source)_
- **Applies to:** insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds

## What the source says

> 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.

## Source

- https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.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/).