# 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 reply to communication; deadline is within 10 working days; day type is working days; clock starts from is other pertinent communications from a claimant which reasonably suggest that a response is expected; citation is 31 Pa. Code 146.5, recorded from its source on 2026-08-11.

- **State:** Pennsylvania _(our reading, not quoted from the source)_
- **Obligation:** reply to communication _(our reading, not quoted from the source)_
- **Deadline:** within 10 working days _(verified: appears in the quote below)_
- **Day type:** working days _(verified: appears in the quote below)_
- **Clock starts from:** other pertinent communications from a claimant which reasonably suggest that a response is expected _(verified: appears in the quote below)_
- **Citation:** 31 Pa. Code 146.5
- **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

> 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

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/).