Short answer: In West Virginia, insurers must acknowledge a claim within 15 working days, accept or deny it within 10 working days after the investigation is complete and pay within 15 working days after a settlement is agreed. If an insurer misses its deadlines, you can complain to the West Virginia Offices of the Insurance Commissioner.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 15 working days |
| Accept or deny | 10 working days after the investigation is complete (deny in writing or make a written offer); written delay notices if more than 30 days after proof of loss |
| Pay | 15 working days after a settlement is agreed |
Sources: W. Va. Code R. §114-14-5, §114-14-6.
Details
- The investigation must start within 15 working days of notice.
- Denial notices must tell you that you can contact the Insurance Commissioner.
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 West Virginia Offices of the Insurance Commissioner.
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in West Virginia.
Frequently asked questions
How long does an insurer have to acknowledge a claim in West Virginia?
15 working days.
How long to accept or deny a claim in West Virginia?
10 working days after the investigation is complete (deny in writing or make a written offer); written delay notices if more than 30 days after proof of loss.
How long to pay a claim in West Virginia?
15 working 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.