Short answer: In Minnesota, insurers must acknowledge a claim within 10 business days, accept or deny it within 30 business days after notice of the claim and pay within 5 business days after a settlement is agreed. If an insurer misses its deadlines, you can complain to the Minnesota Department of Commerce.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 10 business days |
| Accept or deny | 30 business days after notice of the claim, unless the insurer explains why the investigation isn't done; also 60 business days after a properly executed proof of loss |
| Pay | 5 business days after a settlement is agreed |
Sources: Minn. Stat. §72A.201.
Details
- The acknowledgment must include the phone number of a company representative who can help.
- Sending claim forms and instructions within 10 business days, or settling within that window, satisfies the acknowledgment rule.
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 Minnesota Department of Commerce.
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Minnesota.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Minnesota?
10 business days.
How long to accept or deny a claim in Minnesota?
30 business days after notice of the claim, unless the insurer explains why the investigation isn't done; also 60 business days after a properly executed proof of loss.
How long to pay a claim in Minnesota?
5 business days after a settlement is agreed.
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.