Why deadlines matter
Deadlines control leverage, determine penalties, and can reset or shorten when evidence is late. Carrier clocks and state statutory clocks often differ—knowing both lets you push back on unreasonable demands and escalate when timelines slip.
Your Required Timelines
- FNOL
- Proof of Loss
- Mitigation proof
- Estimate submission
- Supplemental deadlines
Carrier Obligations
- Acknowledgment
- Investigation timelines
- Payment deadlines
- Inspection requests
State-Mandated Deadlines
- Fair claims handling deadlines
- Statutory response timelines
- Payment windows
- Reasonableness standards
Documentation Timing
- When to submit evidence
- When to follow up
- When delays harm your position
- Sequencing advantages
Non-Response Rules
- What to do if the carrier goes silent
- When silence is non-compliance
- How to escalate
Supplemental Claims
- Deadlines for supplements
- Documentation required
- How late supplements affect payout
State-level deadlines overview
States layer their own clocks on top of your policy. They dictate when carriers must acknowledge, investigate, decide, and pay. Knowing the local rules keeps pressure on the carrier and prevents avoidable delays.
- 10–15 day acknowledgment standards
- 30-day acceptance or denial timelines
- Payment windows that range from 10–20 days
- Reasonableness standards for document requests
What to do right now
- Add all known deadlines into the Claim Journal.
- Identify and correct missing evidence.
- Submit a timeline confirmation to the carrier.
- Request acknowledgment if overdue.
- Begin a follow-up schedule.
Use with these tools
Timeline & Sequence Guide
See how to order submissions so carrier clocks stay fair.