Short answer: In Arizona, insurers must acknowledge a claim within 10 working days, accept or deny it within 15 working days after a properly executed proof of loss and pay within 30 days after an acceptable proof of loss for first-party claims. If an insurer misses its deadlines, you can complain to the Arizona Department of Insurance and Financial Institutions.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 10 working days |
| Accept or deny | 15 working days after a properly executed proof of loss, with updates every 45 days if more time is needed |
| Pay | 30 days after an acceptable proof of loss for first-party claims; late payments earn interest |
Sources: A.A.C. R20-6-801, A.R.S. §20-462.
Details
- See also our Arizona non-renewal guide.
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 Arizona Department of Insurance and Financial Institutions (602-364-2499).
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Arizona.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Arizona?
10 working days.
How long to accept or deny a claim in Arizona?
15 working days after a properly executed proof of loss, with updates every 45 days if more time is needed.
How long to pay a claim in Arizona?
30 days after an acceptable proof of loss for first-party claims; late payments earn interest.
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.