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.

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.

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


**State:** Florida

**Obligation:** accept or deny claim

**Deadline:** Within 60 days

**Day type:** days

**Clock starts from:** an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder

**Citation:** 627.70131

**Instrument:** statute

**Interest or penalty:** bears interest at the rate set forth in s. 55.03

**Applies to:** 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

> Within 60 days after an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim unless the failure to pay is caused by factors beyond the control of the insurer.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.70131>

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

citation, line_of_business, penalty_or_interest, state


**State:** Minnesota

**Obligation:** accept or deny claim

**Deadline:** within 60 business days

**Day type:** business days

**Clock starts from:** receipt of a properly executed proof of loss

**Citation:** 72A.201

**Instrument:** statute

> 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>

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


**State:** Minnesota

**Obligation:** accept or deny claim

**Deadline:** within 30 business days

**Day type:** business days

**Clock starts from:** receipt of notification of claim

**Citation:** 72A.201

**Instrument:** statute

> 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>


**State:** Nevada

**Obligation:** accept or deny claim

**Deadline:** Within 30 working days

**Day type:** working days

**Clock starts from:** receipt by the insurer of properly executed proofs of loss

**Citation:** NAC 686A.675

**Instrument:** regulation

> Within 30 working days after receipt by the insurer of properly executed proofs of loss, the first-party claimant must be advised of the acceptance or denial of the claim by the insurer.

Source: <https://www.leg.state.nv.us/nac/nac-686a.html>

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


**State:** North Carolina

**Obligation:** accept or deny claim

**Deadline:** within a reasonable time

**Day type:** days

**Clock starts from:** proof-of-loss statements have been completed

**Citation:** 58-63-15

**Instrument:** statute

> 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>

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

citation, day_type, instrument_type, state


**State:** Ohio

**Obligation:** accept or deny claim

**Deadline:** within twenty-one days

**Day type:** days

**Clock starts from:** receipt of properly executed proof(s) of loss

**Citation:** OAC 3901-1-54

**Instrument:** regulation

**Applies to:** property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio

> 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>

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


**State:** Pennsylvania

**Obligation:** accept or deny claim

**Deadline:** Within 15 working days

**Day type:** working days

**Clock starts from:** receipt by the insurer of properly executed proofs of loss

**Citation:** 31 Pa. Code 146.7

**Instrument:** regulation

**Applies to:** insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds

> 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>

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


**State:** Wisconsin

**Obligation:** accept or deny claim

**Deadline:** within a reasonable time

**Day type:** days

**Clock starts from:** proof of loss has been completed

**Citation:** Ins 6.11

**Instrument:** regulation

**Applies to:** the kinds of insurance identified in s. Ins 6.75

> Failure to affirm or deny coverage of claims within a reasonable time after proof of loss has been completed.

Source: <https://docs.legis.wisconsin.gov/code/admin_code/ins/6/11>

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

citation, day_type, instrument_type, line_of_business, obligation, state


**State:** Florida

**Obligation:** acknowledge receipt of claim

**Deadline:** within 7 calendar days

**Day type:** calendar days

**Clock starts from:** an insurer's receiving a communication with respect to a claim

**Citation:** 627.70131

**Instrument:** statute

**Applies to:** residential property insurer

> Upon an insurer’s receiving a communication with respect to a claim, the insurer shall, within 7 calendar days, review and acknowledge receipt of such communication unless payment is made within that period of time or unless the failure to acknowledge is caused by factors beyond the control of the insurer.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.70131>


**State:** Minnesota

**Obligation:** acknowledge receipt of claim

**Deadline:** within ten business days

**Day type:** business days

**Clock starts from:** receiving notification of claim from an insured or a claimant

**Citation:** 72A.201

**Instrument:** statute

**Applies to:** except for claims made under a health insurance policy

> except for claims made under a health insurance policy, after receiving notification of claim from an insured or a claimant, failing to acknowledge receipt of the notification of the claim within ten business days, and failing to promptly provide all necessary claim forms and instructions to process the claim, unless the claim is settled within ten business days

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


**State:** Nevada

**Obligation:** acknowledge receipt of claim

**Deadline:** within 20 working days

**Day type:** working days

**Clock starts from:** receipt of the claim notice

**Citation:** NAC 686A.665

**Instrument:** regulation

> Every insurer shall acknowledge the receipt of a claim notice within 20 working days after receipt of the claim notice unless payment of the claim is made within that time.

Source: <https://www.leg.state.nv.us/nac/nac-686a.html>


**State:** North Carolina

**Obligation:** acknowledge receipt of claim

**Deadline:** reasonably promptly

**Day type:** days

**Clock starts from:** communications with respect to claims arising under insurance policies

**Citation:** 58-63-15

**Instrument:** statute

> Failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies;

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


**State:** Ohio

**Obligation:** acknowledge receipt of claim

**Deadline:** within fifteen days

**Day type:** days

**Clock starts from:** receiving such notification

**Citation:** OAC 3901-1-54

**Instrument:** regulation

**Applies to:** property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio

> An insurer shall acknowledge the receipt of a claim within fifteen days of receiving such notification.

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


**State:** Pennsylvania

**Obligation:** acknowledge receipt of claim

**Deadline:** within 10 working days

**Day type:** working days

**Clock starts from:** receiving notification of a claim

**Citation:** 31 Pa. Code 146.5

**Instrument:** regulation

**Applies to:** insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds

> Every insurer, upon receiving notification of a claim, shall, within 10 working days, acknowledge the receipt of the notice unless payment is made within the period of time.

Source: <https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html>


**State:** Virginia

**Obligation:** acknowledge receipt of claim

**Deadline:** within 15 calendar days

**Day type:** calendar days

**Clock starts from:** receiving notification of a claim

**Citation:** 14VAC5-400-50

**Instrument:** regulation

> An insurer, upon receiving notification of a claim shall, within 15 calendar days, acknowledge the receipt of such notice to the claimant unless payment is made within such period of time, except that if a provider submits a claim, acknowledgment of the claim is satisfied if payment or denial of the claim is made to the provider within 21 calendar days.

Source: <https://law.lis.virginia.gov/admincode/title14/agency5/chapter400/section50/>

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


**State:** Wisconsin

**Obligation:** acknowledge receipt of claim

**Deadline:** promptly

**Day type:** days

**Clock starts from:** pertinent communications with respect to claims arising under insurance policies

**Citation:** Ins 6.11

**Instrument:** regulation

**Applies to:** the kinds of insurance identified in s. Ins 6.75

> Failure to promptly acknowledge pertinent communications with respect to claims arising under insurance policies.

Source: <https://docs.legis.wisconsin.gov/code/admin_code/ins/6/11>

citation, day_type, instrument_type, line_of_business, state


**State:** Florida

**Obligation:** begin investigation

**Deadline:** within 7 days

**Day type:** days

**Clock starts from:** an insurer receives proof-of-loss statements

**Citation:** 627.70131

**Instrument:** statute

**Applies to:** residential property insurer

> Unless otherwise provided by the policy of insurance or by law, within 7 days after an insurer receives proof-of-loss statements, the insurer shall begin such investigation as is reasonably necessary unless the failure to begin such investigation is caused by factors beyond the control of the insurer.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.70131>


**State:** Nevada

**Obligation:** begin investigation

**Deadline:** within 20 working days

**Day type:** working days

**Clock starts from:** receipt of notice of the claim

**Citation:** NAC 686A.670

**Instrument:** regulation

> Each insurer shall establish procedures to begin an investigation of any claim within 20 working days of receipt of notice of the claim.

Source: <https://www.leg.state.nv.us/nac/nac-686a.html>


**State:** Minnesota

**Obligation:** complete investigation

**Deadline:** within 30 business days

**Day type:** business days

**Clock starts from:** receipt of notification of claim

**Citation:** 72A.201

**Instrument:** statute

> 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>


**State:** Nevada

**Obligation:** complete investigation

**Deadline:** within 30 days

**Day type:** days

**Clock starts from:** receiving notice of the claim

**Citation:** NAC 686A.670

**Instrument:** regulation

> Each insurer shall complete an investigation of each claim within 30 days after receiving notice of the claim, unless the investigation cannot reasonably be completed within that time.

Source: <https://www.leg.state.nv.us/nac/nac-686a.html>


**State:** Pennsylvania

**Obligation:** complete investigation

**Deadline:** within 30 days

**Day type:** days

**Clock starts from:** notification of claim

**Citation:** 31 Pa. Code 146.6

**Instrument:** regulation

**Applies to:** insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds

> Every insurer shall complete investigation of a claim within 30 days after notification of claim, unless the investigation cannot reasonably be completed within the time.

Source: <https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html>


**State:** Washington

**Obligation:** complete investigation

**Deadline:** within thirty days

**Day type:** days

**Clock starts from:** notification of claim

**Citation:** WAC 284-30-370

**Instrument:** regulation

**Applies to:** all first-party claims

> Every insurer must complete its investigation of a claim within thirty days after notification of claim, unless the investigation cannot reasonably be completed within that time.

Source: <https://app.leg.wa.gov/WAC/default.aspx?cite=284-30-370>

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


**State:** Florida

**Obligation:** conduct physical inspection

**Deadline:** within 30 days

**Day type:** days

**Clock starts from:** its receipt of the proof-of-loss statements

**Citation:** 627.70131

**Instrument:** statute

**Applies to:** residential property insurer

> An insurer must conduct any such physical inspection within 30 days after its receipt of the proof-of-loss statements.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.70131>

citation, instrument_type, line_of_business, state


**State:** Minnesota

**Obligation:** notify of need for more time

**Deadline:** within the time period

**Day type:** days

**Clock starts from:** the investigation cannot reasonably be completed within that time

**Citation:** 72A.201

**Instrument:** statute

> In the event that the investigation cannot reasonably be completed within that time, the insurer shall notify the insured or claimant within the time period of the reasons why the investigation is not complete and the expected date the investigation will be complete.

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


**State:** Nevada

**Obligation:** notify of need for more time

**Deadline:** every 30 days

**Day type:** days

**Clock starts from:** the date of the initial
notification

**Citation:** NAC 686A.675

**Instrument:** regulation

> If the investigation remains incomplete, the insurer shall, 30 days after the date of the initial notification and every 30 days thereafter, send to the claimant a letter setting forth the reasons that additional time is needed for investigation.

Source: <https://www.leg.state.nv.us/nac/nac-686a.html>


**State:** Nevada

**Obligation:** notify of need for more time

**Deadline:** within 30 working days

**Day type:** working days

**Clock starts from:** receipt of
the proof of loss

**Citation:** NAC 686A.675

**Instrument:** regulation

> If the insurer needs more time to determine whether a claim of a first-party claimant should be accepted or denied, it must so notify the claimant within 30 working days after receipt of the proof of loss giving reasons that more time is needed.

Source: <https://www.leg.state.nv.us/nac/nac-686a.html>


**State:** Ohio

**Obligation:** notify of need for more time

**Deadline:** at least every forty-five days

**Day type:** days

**Clock starts from:** an extension of time is needed

**Citation:** OAC 3901-1-54

**Instrument:** regulation

**Applies to:** property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio

> If an extension of time is needed, the insurer has a continuing obligation to notify the claimant in writing, at least every forty-five days, of the status of the investigation and the continued time for the investigation.

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


**State:** Ohio

**Obligation:** notify of need for more time

**Deadline:** within the twenty-one day period

**Day type:** days

**Clock starts from:** receipt of properly executed proof(s) of loss

**Citation:** OAC 3901-1-54

**Instrument:** regulation

**Applies to:** property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio

> If more time is needed to investigate the claim than the twenty-one days allow, the insurer shall notify the claimant within the twenty-one day period, and provide an explanation of the need for more time.

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

citation, clock_starts, instrument_type, line_of_business, state


**State:** Pennsylvania

**Obligation:** notify of need for more time

**Deadline:** within 15 working days

**Day type:** working days

**Clock starts from:** receipt of the proofs of loss

**Citation:** 31 Pa. Code 146.7

**Instrument:** regulation

**Applies to:** insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds

> If the insurer needs more time to determine whether a first-party claim should be accepted or denied, it shall so notify the first-party claimant within 15 working days after receipt of the proofs of loss giving the reasons more time is needed.

Source: <https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html>


**State:** Pennsylvania

**Obligation:** notify of need for more time

**Deadline:** every 45 days

**Day type:** days

**Clock starts from:** the investigation cannot be completed within 30 days

**Citation:** 31 Pa. Code 146.6

**Instrument:** regulation

**Applies to:** insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds

> If the investigation cannot be completed within 30 days, and every 45 days thereafter, the insurer shall provide the claimant with a reasonable written explanation for the delay and state when a decision on the claim may be expected.

Source: <https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html>


**State:** Minnesota

**Obligation:** pay accepted claim

**Deadline:** within five business days

**Day type:** business days

**Clock starts from:** 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

**Citation:** 72A.201

**Instrument:** statute

> failing to issue payment for any amount finally agreed upon in settlement of all or part of any claim within five business days from the 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

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


**State:** Nevada

**Obligation:** pay accepted claim

**Deadline:** within 30 days

**Day type:** days

**Clock starts from:** it is accepted

**Citation:** NAC 686A.675

**Instrument:** regulation

**Interest or penalty:** the insurer
shall pay interest on the claim at the rate of interest established pursuant to

> If the claim of the first-party claimant is accepted, the insurer shall pay the claim within 30 days after it is accepted. If the accepted claim is not paid within that period, the insurer shall pay interest on the claim at the rate of interest established pursuant to

Source: <https://www.leg.state.nv.us/nac/nac-686a.html>


**State:** North Carolina

**Obligation:** pay accepted claim

**Deadline:** prompt

**Day type:** days

**Clock starts from:** liability has become reasonably clear

**Citation:** 58-63-15

**Instrument:** statute

> Not attempting in good faith to effectuate prompt, fair and equitable settlements of claims in which liability has become reasonably clear;

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

citation, day_type, instrument_type, obligation, state


**State:** Ohio

**Obligation:** pay accepted claim

**Deadline:** no later than ten days

**Day type:** days

**Clock starts from:** acceptance of a claim if the amount of the claim is determined and is not in dispute

**Citation:** OAC 3901-1-54

**Instrument:** regulation

**Applies to:** property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio

> An insurer shall tender payment to a first party claimant no later than ten days after acceptance of a claim if the amount of the claim is determined and is not in dispute, unless the settlement involves a structured settlement, action by a probate court, or other extraordinary circumstances as documented in the claim file.

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


**State:** Minnesota

**Obligation:** provide claim forms

**Deadline:** promptly

**Day type:** days

**Clock starts from:** receiving notification of claim from an insured or a claimant

**Citation:** 72A.201

**Instrument:** statute

**Applies to:** except for claims made under a health insurance policy

> except for claims made under a health insurance policy, after receiving notification of claim from an insured or a claimant, failing to acknowledge receipt of the notification of the claim within ten business days, and failing to promptly provide all necessary claim forms and instructions to process the claim, unless the claim is settled within ten business days

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


**State:** Nevada

**Obligation:** provide claim forms

**Deadline:** promptly

**Day type:** days

**Clock starts from:** receiving notification of claim

**Citation:** NAC 686A.665

**Instrument:** regulation

> Nevada law or regulation.

Source: <https://www.leg.state.nv.us/nac/nac-686a.html>

citation, clock_starts, day_type, deadline_days, obligation


**State:** Pennsylvania

**Obligation:** provide claim forms

**Deadline:** within 10 working days

**Day type:** working days

**Clock starts from:** receiving notification of claim

**Citation:** 31 Pa. Code 146.5

**Instrument:** regulation

**Applies to:** insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds

> Every insurer, upon receiving notification of claim, shall provide within 10 working days necessary claim forms, instructions and reasonable assistance so that first-party claimants can comply with the policy conditions and reasonable requirements of the insurer.

Source: <https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html>


**State:** Virginia

**Obligation:** provide claim forms

**Deadline:** promptly

**Day type:** days

**Clock starts from:** receiving notification of a claim

**Citation:** 14VAC5-400-50

**Instrument:** regulation

> Upon receiving notification of a claim, an insurer shall promptly provide necessary claim forms, instructions, and reasonable assistance in order for the claimant to comply with the applicable policy conditions and the insurer's reasonable requirements.

Source: <https://law.lis.virginia.gov/admincode/title14/agency5/chapter400/section50/>


**State:** Wisconsin

**Obligation:** provide claim forms

**Deadline:** promptly

**Day type:** days

**Clock starts from:** claims arising under its insurance policies

**Citation:** Ins 6.11

**Instrument:** regulation

**Applies to:** the kinds of insurance identified in s. Ins 6.75

> Failure to promptly provide necessary claims forms, instructions and reasonable assistance to insureds and claimants under its insurance policies.

Source: <https://docs.legis.wisconsin.gov/code/admin_code/ins/6/11>

citation, clock_starts, day_type, instrument_type, line_of_business, state


**State:** Minnesota

**Obligation:** reply to communication

**Deadline:** within ten business days

**Day type:** business days

**Clock starts from:** receipt, to all other communications about a claim from an insured or a claimant that reasonably indicate a response is requested or needed

**Citation:** 72A.201

**Instrument:** statute

> failing to reply, within ten business days of receipt, to all other communications about a claim from an insured or a claimant that reasonably indicate a response is requested or needed

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


**State:** Nevada

**Obligation:** reply to communication

**Deadline:** within
20 working days

**Day type:** working days

**Clock starts from:** receipt of any other pertinent communication from a claimant if the communication reasonably suggests that a response is expected

**Citation:** NAC 686A.665

**Instrument:** regulation

> An appropriate reply must be made within 20 working days after receipt of any other pertinent communication from a claimant if the communication reasonably suggests that a response is expected.

Source: <https://www.leg.state.nv.us/nac/nac-686a.html>


**State:** Ohio

**Obligation:** reply to communication

**Deadline:** within fifteen days

**Day type:** days

**Clock starts from:** any communication from a claimant, when that communication suggests a response is appropriate

**Citation:** OAC 3901-1-54

**Instrument:** regulation

**Applies to:** property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio

> An insurer shall respond within fifteen days to any communication from a claimant, when that communication suggests a response is appropriate.

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


**State:** Pennsylvania

**Obligation:** reply to communication

**Deadline:** within 10 working days

**Day type:** working days

**Clock starts from:** other pertinent communications from a claimant which reasonably suggest that a response is expected

**Citation:** 31 Pa. Code 146.5

**Instrument:** regulation

**Applies to:** insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds

> An appropriate reply shall be made within 10 working days on other pertinent communications from a claimant which reasonably suggest that a response is expected.

Source: <https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html>


**State:** Virginia

**Obligation:** reply to communication

**Deadline:** within 15 calendar days

**Day type:** calendar days

**Clock starts from:** all other pertinent communications from a claimant that reasonably suggest that a response is expected

**Citation:** 14VAC5-400-50

**Instrument:** regulation

> An appropriate reply shall be made within 15 calendar days on all other pertinent communications from a claimant that reasonably suggest that a response is expected.

Source: <https://law.lis.virginia.gov/admincode/title14/agency5/chapter400/section50/>


**State:** Wisconsin

**Obligation:** reply to communication

**Deadline:** within 10 consecutive days

**Day type:** days

**Clock starts from:** receipt of a communication concerning a claim

**Citation:** Ins 6.11

**Instrument:** regulation

**Applies to:** the kinds of insurance identified in s. Ins 6.75

> Except where a different period is specified by statute or rule and except for good cause shown, the terms “prompt” and “promptly” as used in this rule shall mean responsive action within 10 consecutive days from receipt of a communication concerning a claim.

Source: <https://docs.legis.wisconsin.gov/code/admin_code/ins/6/11>


**State:** Florida

**Obligation:** send loss estimate

**Deadline:** within 7 days

**Day type:** days

**Clock starts from:** the estimate is generated by an insurer's adjuster

**Citation:** 627.70131

**Instrument:** statute

**Applies to:** residential property insurer

> The insurer must send the policyholder a copy of any detailed estimate of the amount of the loss within 7 days after the estimate is generated by an insurer’s adjuster.

Source: <https://www.flsenate.gov/Laws/Statutes/2025/627.70131>

citation, clock_starts, line_of_business, state