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

For Nevada, obligation is notify of need for more time; deadline is within 30 working days; day type is working days; clock starts from is receipt of the proof of loss; citation is NAC 686A.675, recorded from its source on 2026-08-11.

- **State:** Nevada _(our reading, not quoted from the source)_
- **Obligation:** notify of need for more time _(our reading, not quoted from the source)_
- **Deadline:** within 30 working days _(verified: appears in the quote below)_
- **Day type:** working days _(verified: appears in the quote below)_
- **Clock starts from:** receipt of the proof of loss _(verified: appears in the quote below)_
- **Citation:** NAC 686A.675
- **Instrument:** regulation _(our reading, not quoted from the source)_

## What the source says

> 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.

## 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

leg.state.nv.us says deadline is **within 30 working days**, as of 2026-08-11.

> 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

leg.state.nv.us says deadline is **every 30 days**, as of 2026-08-11.

> 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


### Day type

leg.state.nv.us says day type is **working days**, as of 2026-08-11.

> 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

leg.state.nv.us says day type is **days**, as of 2026-08-11.

> 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


### Clock starts from

leg.state.nv.us says clock starts from is **receipt of the proof of loss**, as of 2026-08-11.

> 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

leg.state.nv.us says clock starts from is **the date of the initial notification**, as of 2026-08-11.

> 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


## Source

- https://www.leg.state.nv.us/nac/nac-686a.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/).