Short answer: In Colorado, insurers must accept or deny a claim within 60 days after a valid and complete claim and pay within 60 days after a valid and complete claim. The rules don't set a fixed number of days for acknowledging. If an insurer misses its deadlines, you can complain to the Colorado Division of Insurance.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | No fixed number of days. The law says reasonably promptly |
| Accept or deny | 60 days after a valid and complete claim, unless there is a reasonable dispute |
| Pay | 60 days after a valid and complete claim; if not paid, the insurer must explain why every 30 days |
Sources: 3 CCR 702-5-1-14.
Details
- A good-faith offer within 60 days satisfies the rule.
- Colorado law also allows a lawsuit for unreasonable delay or denial (C.R.S. §10-3-1115 and §10-3-1116).
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 Colorado Division of Insurance.
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Colorado.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Colorado?
No fixed number of days. The law says reasonably promptly.
How long to accept or deny a claim in Colorado?
60 days after a valid and complete claim, unless there is a reasonable dispute.
How long to pay a claim in Colorado?
60 days after a valid and complete claim; if not paid, the insurer must explain why every 30 days.
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.