Know your rights
Reference policy duties, state rights, and carrier obligations so you can respond confidently and preserve leverage.
Policyholder Duties
Proof of loss, mitigation, cooperation, and documentation standards.
State Rights & Deadlines
Statutory timelines for acknowledgment, investigation, decision, and payment.
Documentation Standards
What carriers can request, reasonableness rules, and how to respond.
Communication Rights
Response windows, required disclosures, and fair claims handling standards.
Proof & Payment Requirements
When carriers must pay, how interest/penalties apply, and required proof levels.