Short answer: In Illinois, insurers must acknowledge a claim within 15 working days for pertinent claim communications. The rules don't set a fixed number of days for deciding or paying. If an insurer misses its deadlines, you can complain to the Illinois Department of Insurance.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 15 working days for pertinent claim communications |
| Accept or deny | No fixed decision deadline. A written explanation of the delay is due if the claim isn't resolved within 45 days (for fire and extended coverage, within 75 days or 25 days after proof of loss, whichever is less) |
| Pay | No fixed number of days is stated in the rule |
Sources: 50 Ill. Adm. Code 919.40, 50 Ill. Adm. Code 919.50.
Details
- The insurer must make a good-faith effort to contact you within 21 working days after you report the loss.
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 Illinois 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 Illinois.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Illinois?
15 working days for pertinent claim communications.
How long to accept or deny a claim in Illinois?
No fixed decision deadline. A written explanation of the delay is due if the claim isn't resolved within 45 days (for fire and extended coverage, within 75 days or 25 days after proof of loss, whichever is less).
How long to pay a claim in Illinois?
No fixed number of days is stated in the rule.
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.