State-Level Legal Guides
Navigate deadlines, regulations, complaint steps, and oversight contacts for every state.
State-Specific Deadlines
Proof of loss, suit limitation, and response clocks by jurisdiction.
View deadlines →State-Specific Regulations
Key statutes and administrative codes governing claims handling.
Review regulations →State Complaint Processes
How to file, evidence to include, and escalation paths for policyholders.
See steps →State Insurance Department Contacts
Direct links, phone numbers, and submission portals by state.
Find contacts →Mandatory Carrier Timelines by State
Notification, investigation, and payment clocks required locally.
Check timelines →Bad Faith Indicators (State-Level)
Behaviors and delays that trigger penalties or treble damages.
Spot indicators →Claim-Type Legal Guides
Drill into documentation, legal standards, and insurer duties for each claim type.
Property Claims
Loss documentation, valuation rules, and policyholder notice duties.
Open guide →Water Damage
Mitigation steps, mold timelines, and carrier investigation duties.
Open guide →Fire Claims
Origin & cause considerations, debris removal, and proof standards.
Open guide →Hurricane/Windstorm
CAT timelines, deductible nuances, and concurrent causation rules.
Open guide →Vandalism
Police reporting, documentation, and fraud safeguards for carriers.
Open guide →Theft
Inventory standards, evidentiary needs, and sworn statement timing.
Open guide →Business Interruption
Period of restoration rules, documentation, and payment triggers.
Open guide →Legal Requirements & What Carriers Must Provide
Standardized expectations for transparency, file access, and documentation rights.
Required Documentation per Claim Type
Evidence checklists to satisfy statutory and policy requirements.
View requirements →What Carriers Must Legally Provide
Disclosure, estimates, and coverage position letters mandated by law.
Review obligations →Claim File Rights
Access rules for adjuster notes, communications, and investigation files.
See access rules →Policyholder Rights Overview
Plain-language summary of key protections and appeal pathways.
Read overview →Mandatory Timelines
See the clocks carriers must meet from acknowledgment through undisputed payment.
Acknowledgment Rules
Initial response deadlines after notice of loss and required receipts.
Check rules →Response Timelines
Time limits for coverage positions, denials, and reservation letters.
Check timelines →Inspection Deadlines
Scheduling requirements and on-site timeframes for carrier inspections.
Review expectations →Undisputed Payment Requirements
Funding timelines once liability is accepted and amounts are confirmed.
See requirements →