Insurance claim deadlines by state
How quickly an insurer must acknowledge your claim, decide it, and pay once it agrees.
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Rules have exceptions; open your state for details and the law it comes from.
915 days
810 working days
615 working days
51states and DC covered: 4 checked on official source, 41 cross-checked, 6 single detailed source
Acknowledge: map
- 15 days (9)
- 10 working days (8)
- 15 working days (6)
- No fixed number of days / other (28)
Full table
| State | Acknowledge | Accept or deny | Pay |
|---|---|---|---|
| Alabama | 15 days | 30 days after proof of loss | 30 days after the claim is accepted and the amount agreed |
| Alaska | 10 working days | 15 working days after proof of loss | Undisputed amount within 30 working days of proof of loss |
| Arizona | 10 working days | 15 working days after proof of loss | Interest owed if not paid 30 days after proof of loss |
| Arkansas | 15 working days | 15 working days after proof of loss | 10 working days after the claim is ready for payment |
| California | 15 days | 40 days after proof of claim | 30 days for undisputed amounts |
| Colorado | No fixed number of days; must act with reasonable promptness | Pay or decide within 60 days of a valid, complete claim | Within the same 60 days |
| Connecticut | No fixed number of days; must act with reasonable promptness | Reasonable time | Not set by rule |
| Delaware | 15 working days to respond; start investigating within 10 working days | 30 days after proof of loss | Not set by rule |
| District of Columbia | No fixed number of days; must act with reasonable promptness | Reasonable time | Not set by rule |
| Florida Checked on official source | 7 days (property claims, since Mar. 1, 2023) | Pay or deny within 60 days of notice (property) | Within the same 60 days; interest owed if late |
| Georgia | 15 days | 15 days after proof of loss (30 days after notice if no proof of loss is required; 60 days at most) | 10 days after the amount is agreed |
| Hawaii | 15 working days | Reasonable time; written explanation of any delay after 30 days | Undisputed amount within 30 days after accepting liability |
| Idaho | No fixed number of days; must act with reasonable promptness | No fixed number of days | Not set by rule |
| Illinois Single detailed source | 15 working days | No fixed deadline; written explanation if still open after 75 days | Undisputed amount within 30 days after accepting the claim |
| Indiana | No fixed number of days; must act with reasonable promptness | No fixed number of days | Not set by rule |
| Iowa | 15 days | 30 days after proof of loss | 30 days after the claim is accepted |
| Kansas Single detailed source | 10 working days | 15 working days after proof of loss; investigation within 30 days | Not set by rule |
| Kentucky | 15 days | Pay, or explain the delay, within 30 days of proof of loss | Within 30 days of proof of loss |
| Louisiana Checked on official source | 14 days to start adjusting (30 days for catastrophic losses) | Written offer within 30 days of proof of loss | 30 days (60 residential / 90 commercial for catastrophic losses) |
| Maine Single detailed source | No fixed number of days; must act with reasonable promptness | No fixed number of days | 30 days after proof of loss and an agreed amount |
| Maryland | 15 working days | 15 working days after claim forms or proof of loss; written update every 45 days | Not set by rule |
| Massachusetts | No fixed number of days; must act with reasonable promptness | Reasonable time | Not set by rule |
| Michigan | Request proof of loss within 30 days | No fixed number of days | 12% interest if not paid within 60 days of proof of loss |
| Minnesota Checked on official source | 10 business days | 30 business days after notice of the claim (or a written explanation); 60 business days after proof of loss | 5 business days after an agreed settlement |
| Mississippi | No fixed number of days; must act with reasonable promptness | No fixed number of days | Not set by rule |
| Missouri | 10 working days | 15 working days after proof forms are received; investigation within 30 days | Not set by rule |
| Montana | No fixed number of days; must act with reasonable promptness | 30 days after proof of loss (60 if more information is reasonably requested) | 10% annual interest on late payments |
| Nebraska | 15 working days | 15 working days after proof of loss, or written delay notice every 30 days | Undisputed amount offered within 15 working days; paid 15 working days after acceptance |
| Nevada | 20 working days (acknowledge and start investigating) | 30 working days after proof of loss | 30 days after acceptance, with interest after that |
| New Hampshire Single detailed source | 10 working days | Decision within 30 days of notice | 5 working days after agreement or receipt of requested documents |
| New Jersey | 10 working days (acknowledge and start investigating) | Reasonable time | 30 days after proof of loss (first-party property); 10 working days for agreed settlements |
| New Mexico | No fixed number of days; must act with reasonable promptness | Reasonable time | Not set by rule |
| New York | 15 business days | 15 business days after proof of loss and requested items (30 if arson is suspected) | 5 business days after an agreed settlement |
| North Carolina | No fixed number of days; must act with reasonable promptness | Reasonable time | Not set by rule |
| North Dakota | No fixed number of days; must act with reasonable promptness | Reasonable time | Not set by rule |
| Ohio | 15 days | 21 days after proof of loss | 10 days after acceptance (undisputed amount) |
| Oklahoma | 30 days (unless paid sooner) | 60 days after proof of loss (property and casualty) | Written offer or rejection within 60 days of proof of loss |
| Oregon | 30 days (unless paid sooner) | 30 days after proof of loss | Not set by rule |
| Pennsylvania | 10 working days (unless paid sooner) | 15 working days after proof of loss | Not set by rule |
| Rhode Island Single detailed source | 15 days | 21 days after proof of loss | Undisputed amount within 30 days after affirming liability |
| South Carolina | No fixed number of days; must act with reasonable promptness | Prompt investigation; no fixed number of days | Not set by rule |
| South Dakota Single detailed source | 30 days to acknowledge and act on communications | No fixed number of days in current rules | Not set by rule |
| Tennessee | 30 days | 60 days after completed proof of loss | Undisputed amount within 30 days after affirming liability |
| Texas | 15 days | 15 business days after all requested information | 5 business days after accepting |
| Utah | 15 days | 30 days after complete proof of loss | 30 days after written proof of covered loss and amount |
| Vermont | 10 business days | 15 business days after proof of loss | 10 business days after an agreed settlement |
| Virginia Checked on official source | 15 calendar days | 15 calendar days after proof of loss, or a written explanation of why more time is needed | Not set by rule |
| Washington | 10 working days | 30 calendar days from notice of the claim (rules effective Oct. 18, 2026) | Not set by rule |
| West Virginia | 15 working days (acknowledge and start investigating) | Deny or make a written offer within 10 working days after the investigation ends | 15 working days after an agreed settlement |
| Wisconsin | 10 days | Reasonable time | 30 days after written notice of the covered loss and amount |
| Wyoming | No fixed number of days | Accept or reject, and pay, within 45 days of the claim and supporting bills | Within the same 45 days |
How we checked this
Deadlines were compared between a 50-state survey of fair claims handling rules and a 2026 regulation-cited state-by-state table, and checked against official state code for Florida, Louisiana, Minnesota and Virginia. Where a state sets no fixed number of days, insurers must act with reasonable promptness. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site Single detailed source one detailed table built from statutes or official data Under review sources disagree; read the note and the law.