Short answer: In Alabama, insurers must acknowledge a claim within 15 days, accept or deny it within 30 days after properly executed proofs of loss and pay within 30 days after accepting liability, agreeing on the amount, and receiving documents needed to settle. If an insurer misses its deadlines, you can complain to the Alabama Department of Insurance.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 15 days |
| Accept or deny | 30 days after properly executed proofs of loss (or the time set in the policy), with updates every 45 days if more time is needed |
| Pay | 30 days after accepting liability, agreeing on the amount, and receiving documents needed to settle (or the time set in the policy) |
Sources: Ala. Admin. Code r. 482-1-125-.06, r. 482-1-125-.07.
Details
- A denial based on a policy provision must cite that provision.
- If you ask for a written denial after a verbal one, the insurer must mail it within a reasonable time.
How to use these deadlines
- Report your claim in writing and keep proof of the date.
- Send your proof of loss and requested documents promptly, because many deadlines start only when the insurer has them.
- Keep a log of every call and letter.
- If deadlines pass, ask the adjuster in writing for a status update. If nothing changes, file a complaint with the Alabama Department of Insurance.
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Alabama.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Alabama?
15 days.
How long to accept or deny a claim in Alabama?
30 days after properly executed proofs of loss (or the time set in the policy), with updates every 45 days if more time is needed.
How long to pay a claim in Alabama?
30 days after accepting liability, agreeing on the amount, and receiving documents needed to settle (or the time set in the policy).
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.