It depends on your state and the type of insurance. Some states set specific timeframes for when claims should be acknowledged, while others only specify that they should be paid within “a reasonable time.”

When states do designate a timetable, it often falls somewhere between 30 and 45 days. Longer than 60 days is generally considered a delayed payment. These designated payout periods apply mainly to homeowner’s and auto insurance; different kinds of insurance may be subject to different regulations.

However, if you believe that your insurance company is intentionally stalling your claim and delaying payment, you may have grounds to take legal action.

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