Property Insurance Claims Timelines - All 50 States + DC

Purpose: Quick reference for statutory claims handling deadlines Last Updated: August 2026 (verified against statute and regulation text)

Important Notes

1. "WD" = Working Days / "BD" = Business Days / "CD" = Calendar Days
2. Many states use "reasonably promptly" without specific day counts
3. Some states extend deadlines for catastrophe/disaster claims (see table below)
4. Timelines may differ for health/auto vs. property claims — several figures previously listed here came from health-claim rules and have been removed
5. Always verify current regulations - timelines can change

Verification: Every row in the master table links (Source column) to the primary statute or regulation that was checked. Cells reflect the text of that source as read; where a source sets no number, the cell says so rather than supplying one. Days are calendar days unless marked BD or WD. Where the official state site could not be fetched, the source link points to the reproduction that was used (e.g., Cornell LII), and confidence is noted in the second-pass verification note below.

Second-pass verification (Louisiana, Mississippi, New Jersey, New Mexico): These four rows were re-checked against official or reliable mirror text. Louisiana was read from the official legis.la.gov text of La. R.S. 22:1892 (§ 22:1973 is repealed, Acts 2024, No. 3, eff. July 1, 2024; the old 60-day rule no longer exists and no 90-day catastrophe figure exists). New Jersey was read from Cornell LII (nj.gov PDF still 404): the property decision deadline is 30 CD after POL, not 45. New Mexico's 90-day catastrophic figure is confirmed (§ 59A-16-20(F); 13.7.4 NMAC); no working-day acknowledgment figure exists, and 13.10.3 NMAC (previously cited) is a health rule. Mississippi has no numeric property deadline in § 83-5-45 or in Miss. Admin. Code Title 19 (mid.ms.gov itself could not be fetched; confidence medium).

Master Claims Timeline Table

Catastrophic/Disaster Timeline Extensions

Colorado's former "60 WD catastrophe" entry was removed: no such extension appears in Reg 5-1-14 or § 10-3-1104(1)(h).

States with "Reasonably Promptly" Standards (No Specific Days)

Fastest Required Timelines

Acknowledgment (Fastest)

1. New Hampshire - 10 WD (investigation must commence within 5 WD)
2. Florida - 7 CD
3. Alaska - 10 WD
4. Arizona - 10 WD
5. Kansas / Missouri / Pennsylvania / Washington - 10 WD
6. Minnesota / Vermont - 10 BD
7. Wisconsin - 10 consecutive days

Accept/Deny Decision (Fastest)

1. Vermont - 15 BD after POL (first-party)
2. Virginia - 15 CD after POL
3. Alaska, Arizona, Arkansas, Kansas, Maryland, Missouri, Nebraska, Pennsylvania, Washington - 15 WD after POL
4. New York - 15 BD after POL (Reg 64); 30 WD after POL (§ 2601)
5. Texas - 15 BD after all requested items received

Payment (Fastest)

1. Minnesota - 5 BD after agreement
2. Texas - 5 BD after notice of acceptance
3. New Hampshire - 5 WD after agreement
4. Ohio - 10 days after acceptance
5. Georgia - 10 days after amount agreed
6. Arkansas / Vermont - 10 WD / 10 BD

Slowest/Most Lenient Timelines

Accept/Deny Decision (Slowest)

1. Oklahoma - 60 days after POL under 36 O.S. § 1250.7 (max 120); 45 BD under OAC
2. Colorado - 60 days after valid and complete claim
3. Florida - 60 days after notice (+ up to 30 days by OIR order)
4. Georgia - 60 days after POL (fire/extended coverage)
5. Minnesota - 60 BD after POL
6. Michigan - no fixed deadline; 60 days after POL is the timely-payment threshold (12% interest)
7. Montana - 30 days after POL, 60 if additional information requested

Tennessee (formerly listed at 60 days) has no numeric decision deadline. Louisiana's catastrophe rule only extends loss-adjustment initiation (14 to 30 days); New Mexico's 90-day catastrophic settlement deadline is confirmed.

Update/Status Letter Requirements

Removed from earlier lists: IL, IN, KS, MN (no 30-day cycle); GA, SC (no 45-day cycle); TN (no 60-day cycle); FL (no 45-day cycle). Utah's status letters have no public-adjuster/attorney waiver — that exception applies to the SOL notice.

SOL Notice Requirements

Some states require insurers to notify claimants of approaching statute of limitations:

Key Observations

• Numbers previously borrowed from health-claim rules (CT, IN, NC) and figures with no basis in the cited text (CO 15/30/15 WD, IL uniform 30 days, SC 15/30/30/45, TN 30/60, NY 35 BD payment, OK 20 BD acknowledgment) have been removed.
• Payment deadlines are less common than decision deadlines. DE, KS, MD, MO, NY, OK, OR, PA, and VA set no numeric payment deadline; they require prompt payment only.
• Florida was tightened in 2022 (SB 2-A): 7-day acknowledgment, 60-day pay-or-deny, and no 45-day update cycle.
• Interest rates: MI 12% (after 60 days from POL), MT 10%, ME 1.5%/month, WI 7.5% (no longer 12%), TX 18% plus fees after 60 days, WY 10% plus attorney fee for unreasonable refusal.
• Day type matters: NE and AK count working days for everything; AL, UT, and VA are expressly calendar days.

Key Regulation Citations

Disclaimer: This table is for reference only. Timelines can change by regulation or legislation. Always verify current law before relying on these deadlines.

Last Updated: August 2026 (verified against statute and regulation text)