The short answer
State unfair claims practices acts set the timeline: acknowledge receipt 10–15 days, decide 15–40 days after proof of loss, pay within 5–30 days after settlement. Missing the deadlines triggers statutory interest and can be evidence of bad faith. File a complaint with your state insurance department if the insurer misses the deadlines.
Frequently asked
- Does the timeline pause if I don't send documents?
- Yes — the clock restarts each time the insurer makes a reasonable request for information.
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