The short answer
Every state has prompt-payment statutes — typically 15 days to acknowledge, 30–60 days to accept or deny after proof of loss, and 30 days to pay after acceptance. Complex claims (fire, hurricane) can legitimately take 90–180 days. Beyond statutory windows, file a DOI complaint — often the fastest lever.
Frequently asked
- What is a Reservation of Rights letter?
- The insurer is investigating but hasn't committed to coverage — respond in writing and track deadlines.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$3 per analysis · $9 for all 4 tools · No subscription