Short answer: In Pennsylvania, insurers must acknowledge a claim within 10 working days and accept or deny it within 15 working days after properly executed proofs of loss. The rules don't set a fixed number of days for paying. If an insurer misses its deadlines, you can complain to the Pennsylvania Insurance Department.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 10 working days |
| Accept or deny | 15 working days after properly executed proofs of loss; the investigation should finish within 30 days, with updates every 45 days if it takes longer |
| Pay | No fixed number of days is stated in the regulation |
Sources: 31 Pa. Code §146.5, §146.6, §146.7.
Details
- If the investigation takes more than 30 days, the insurer must explain in writing and give an expected decision date.
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 Pennsylvania Insurance Department.
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Pennsylvania.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Pennsylvania?
10 working days.
How long to accept or deny a claim in Pennsylvania?
15 working days after properly executed proofs of loss; the investigation should finish within 30 days, with updates every 45 days if it takes longer.
How long to pay a claim in Pennsylvania?
No fixed number of days is stated in the regulation.
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.