Short answer: South Carolina 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 South Carolina Department of Insurance.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | No fixed number of days. The law says reasonable promptness |
| Accept or deny | No fixed number of days in the statute |
| Pay | No fixed number of days in the statute |
Sources: S.C. Code §38-59-20.
Details
- Insurers must furnish blank proof-of-loss forms within 20 days after notice of loss (§38-59-30).
- If an insurer refuses to pay within 90 days after a demand and a court finds the refusal was without reasonable cause or in bad faith, it can owe attorney fees (§38-59-40).
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 South Carolina Department of Insurance.
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in South Carolina.
Frequently asked questions
How long does an insurer have to acknowledge a claim in South Carolina?
No fixed number of days. The law says reasonable promptness.
How long to accept or deny a claim in South Carolina?
No fixed number of days in the statute.
How long to pay a claim in South Carolina?
No fixed number of days in the statute.
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.