Short answer: New Mexico law doesn't set a fixed number of days for property claims. Insurers must acknowledge and act on claims reasonably promptly and decide within a reasonable time after proof of loss. Unreasonable delay can be an unfair claim practice. If an insurer misses its deadlines, you can complain to the New Mexico Office of Superintendent of Insurance.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | No fixed number of days. The law says reasonably promptly |
| Accept or deny | No fixed number of days. The law says within a reasonable time after proof of loss |
| Pay | No fixed number of days for ordinary property claims |
Sources: NMSA §59A-16-20.
Details
- Unreasonable delay can be an unfair claim practice.
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 Mexico Office of Superintendent of Insurance.
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in New Mexico.
Frequently asked questions
How long does an insurer have to acknowledge a claim in New Mexico?
No fixed number of days. The law says reasonably promptly.
How long to accept or deny a claim in New Mexico?
No fixed number of days. The law says within a reasonable time after proof of loss.
How long to pay a claim in New Mexico?
No fixed number of days for ordinary 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.