Ohio
For Ohio, obligation is notify of need for more time; deadline is within the twenty-one day period; 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
- Obligation
- notify of need for more time our reading
- Deadline
- within the twenty-one day period verified
- Day type
- days verified
- Clock starts from
- receipt of properly executed proof(s) of loss
- Citation
- OAC 3901-1-54
- Instrument
- regulation our reading
- Applies to
- property and casualty claims arising under insurance contracts or certificates issued to residents of Ohio
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
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.
— codes.ohio.gov, retrieved 2026-08-11
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 — deciding between them is yours, not ours.
Deadline
codes.ohio.gov says deadline is within the twenty-one day period, as of 2026-08-11.
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.
https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54
codes.ohio.gov says deadline is at least every forty-five days, as of 2026-08-11.
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.
https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54
Clock starts from
codes.ohio.gov says clock starts from is receipt of properly executed proof(s) of loss, as of 2026-08-11.
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.
https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54
codes.ohio.gov says clock starts from is an extension of time is needed, as of 2026-08-11.
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.
https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54
Source
- codes.ohio.govhttps://codes.ohio.gov/ohio-administrative-code/rule-3901-1-54