Short answer: In Texas, insurers must acknowledge a claim within 15 days, accept or deny it within 15 business days after receiving all requested items and pay within 5 business days after notice of acceptance. If an insurer misses its deadlines, you can complain to the Texas Department of Insurance.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 15 days (30 business days for eligible surplus lines insurers) |
| Accept or deny | 15 business days after receiving all requested items (30 days if arson is suspected; up to 45 more days if the insurer explains a delay) |
| Pay | 5 business days after notice of acceptance (20 business days for surplus lines) |
Sources: Tex. Ins. Code ch. 542.
Details
- Within 15 days, the insurer must also start its investigation and request the documents it needs (§542.055).
- A rejection must state the reasons (§542.056(c)).
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 Texas 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 Texas.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Texas?
15 days (30 business days for eligible surplus lines insurers).
How long to accept or deny a claim in Texas?
15 business days after receiving all requested items (30 days if arson is suspected; up to 45 more days if the insurer explains a delay).
How long to pay a claim in Texas?
5 business days after notice of acceptance (20 business days for surplus lines).
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.