Short answer: In New Jersey, insurers must acknowledge a claim within 10 working days, accept or deny it within 30 calendar days after proof of loss and pay within 30 calendar days after properly executed proof of loss for first-party property claims. If an insurer misses its deadlines, you can complain to the New Jersey Department of Banking and Insurance.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 10 working days |
| Accept or deny | 30 calendar days after proof of loss (or a written explanation of why more time is needed, with updates every 45 days) |
| Pay | 30 calendar days after properly executed proof of loss for first-party property claims |
Sources: N.J.A.C. 11:2-17.6, N.J.A.C. 11:2-17.7.
Details
- The investigation must start within 10 working days.
- The acknowledgment must give the claims office address and phone number.
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 New Jersey Department of Banking and Insurance (609-292-7272).
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in New Jersey.
Frequently asked questions
How long does an insurer have to acknowledge a claim in New Jersey?
10 working days.
How long to accept or deny a claim in New Jersey?
30 calendar days after proof of loss (or a written explanation of why more time is needed, with updates every 45 days).
How long to pay a claim in New Jersey?
30 calendar days after properly executed proof of loss for first-party property claims.
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.