Short answer: In Kentucky, insurers must acknowledge a claim within 15 days and pay within 30 calendar days after proof of loss for any payment due. The rules don't set a fixed number of days for deciding. If an insurer misses its deadlines, you can complain to the Kentucky Department of Insurance.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 15 days |
| Accept or deny | No fixed decision deadline, but if the insurer needs more time it must tell you within 30 calendar days after proof of loss, then every 45 days |
| Pay | 30 calendar days after proof of loss for any payment due |
Sources: 806 KAR 12:095.
Details
- Payments not in dispute must be made within 30 calendar days even if other parts are disputed.
- Sending claim forms and instructions within 15 days counts as the acknowledgment.
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 Kentucky 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 Kentucky.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Kentucky?
15 days.
How long to accept or deny a claim in Kentucky?
No fixed decision deadline, but if the insurer needs more time it must tell you within 30 calendar days after proof of loss, then every 45 days.
How long to pay a claim in Kentucky?
30 calendar days after proof of loss for any payment due.
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.