HealthAppealGuide

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.

StateAcknowledgeAccept or denyPay
Alabama Under review15 days30 days (or the period in the policy)Not set by rule
Alaska Under review10 days15 daysNot set by rule
Arizona Under review10 working days15 working daysNot set by rule
Arkansas Under review15 days15 daysNot set by rule
California15 days40 days after proof of claim30 days for undisputed amounts
Colorado Under reviewReasonably promptly60 daysNot set by rule
Connecticut Under reviewReasonable timeReasonable timeNot set by rule
Delaware Under review15 days30 daysNot set by rule
District of Columbia Under reviewReasonably promptlyReasonable timeNot set by rule
Florida Checked on official source7 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
Georgia15 days15 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 Under review15 daysReasonable time after investigationNot set by rule
Idaho Under reviewPromptlyNot setNot set by rule
Illinois Under reviewReasonable promptnessReasonable timeNot set by rule
Indiana Under reviewReasonable promptnessPromptlyNot set by rule
Iowa Under review15 days30 daysNot set by rule
Kansas Under reviewReasonably promptlyPromptlyNot set by rule
Kentucky Under review15 daysReasonable timeNot set by rule
Louisiana Checked on official source14 days to start adjusting (30 days for catastrophic losses)Written offer within 30 days of proof of loss30 days (60 residential / 90 commercial for catastrophic losses)
Maine Under reviewReasonably promptlyReasonable timeNot set by rule
Maryland Under review15 days15 working days (or the period in the policy)Not set by rule
Massachusetts Under reviewReasonably promptlyReasonable timeNot set by rule
Michigan Under reviewNot setNot setInterest owed if not paid within 60 days of proof of loss
Minnesota Under review10 business days60 days (30 days after investigation)Not set by rule
Mississippi Under reviewNot setNot setNot set by rule
Missouri Under review10 days15 days after all forms are receivedNot set by rule
Montana Under reviewReasonably promptly30 days, or 60 days if more information is requestedNot set by rule
Nebraska Under review15 days15 daysNot set by rule
Nevada Under review20 working days30 working daysNot set by rule
New Hampshire Under review10 days10 working daysNot set by rule
New Jersey Under review10 daysReasonable timeNot set by rule
New Mexico Under reviewReasonably promptlyReasonable timeNot set by rule
New York Under review15 days15 business days after proof of lossNot set by rule
North Carolina Under reviewReasonably promptlyReasonable timeNot set by rule
North Dakota Under reviewReasonable promptnessReasonable timeNot set by rule
Ohio Under review15 days21 daysNot set by rule
Oklahoma Under review30 days45 days (60 days for property and casualty)Not set by rule
Oregon Under review30 days30 daysNot set by rule
Pennsylvania Under review10 days15 daysNot set by rule
Rhode Island Under review10 days (property and casualty)15 days (property and casualty)Not set by rule
South Carolina Under reviewReasonable promptnessPrompt investigationNot set by rule
South Dakota Under review30 days30 daysNot set by rule
Tennessee Under reviewReasonably promptlyReasonable timeNot set by rule
Texas15 days15 business days after all requested information5 business days after accepting
Utah Under review15 days30 daysNot set by rule
Vermont Under review10 days15 daysNot set by rule
Virginia Under review10 working days15 working daysNot set by rule
Washington Under review10 days15 daysNot set by rule
West Virginia Under review15 days10 days after investigationNot set by rule
Wisconsin Under review10 daysReasonable timeNot set by rule
Wyoming Under reviewReasonably promptly45 daysNot set by rule

How we checked this

Florida and Louisiana were confirmed on state sources after their 2023 and 2024 changes; California, Texas and Georgia match current law-firm summaries. Other states come from a 50-state survey of claim rules and are marked for review. 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   From a statute-cited table one detailed source   Under review sources disagree; read the note and the law.