Short answer: In Tennessee, insurers must acknowledge a claim within 30 days. The rules don't set a fixed number of days for deciding or paying. If an insurer misses its deadlines, you can complain to the Tennessee Department of Commerce and Insurance.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 30 days |
| Accept or deny | No fixed number of days in the rule |
| Pay | No fixed number of days. After a formal demand, an insurer that refuses in bad faith for 60 days can owe a penalty of up to 25% (T.C.A. §56-7-105) |
Sources: Tenn. Comp. R. & Regs. 0780-01-05-.07, T.C.A. §56-7-105.
Details
- The insurer must also provide claim forms and instructions, and doing so within 30 days counts as the acknowledgment.
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 Tennessee Department of Commerce and Insurance (1-800-342-4029).
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Tennessee.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Tennessee?
30 days.
How long to accept or deny a claim in Tennessee?
No fixed number of days in the rule.
How long to pay a claim in Tennessee?
No fixed number of days. After a formal demand, an insurer that refuses in bad faith for 60 days can owe a penalty of up to 25% (T.C.A. §56-7-105).
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.