Short answer: In New York, insurers must acknowledge a claim within 15 business days, accept or deny it within 15 business days after proof of loss and requested items and pay within 5 business days after a settlement is agreed. If an insurer misses its deadlines, you can complain to the New York Department of Financial Services.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 15 business days |
| Accept or deny | 15 business days after proof of loss and requested items (30 business days if arson is suspected); if the insurer needs more time, it must send updates every 90 days |
| Pay | 5 business days after a settlement is agreed |
Sources: 11 NYCRR 216.4, 11 NYCRR 216.6.
Details
- Notice to the insurer's agent counts as notice to the insurer.
- A rejection letter must point out any policy provision that limits your right to sue.
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 York Department of Financial Services.
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in New York.
Frequently asked questions
How long does an insurer have to acknowledge a claim in New York?
15 business days.
How long to accept or deny a claim in New York?
15 business days after proof of loss and requested items (30 business days if arson is suspected); if the insurer needs more time, it must send updates every 90 days.
How long to pay a claim in New York?
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.