Statutory clocks
Use these timelines to track when carriers must acknowledge, investigate, decide, and pay. Pair them with your evidence and communication cadence to hold carriers accountable.
Acknowledgment
State rules on how quickly carriers must confirm receipt and provide next steps.
Investigation & Decision
Investigation windows and decision deadlines, including required written explanations.
Payment Windows
When funds must be issued after acceptance, and how interest or penalties apply.
Proof of Loss
Submission deadlines, tolling rules, and what counts as sufficient proof.
Suit Limitation
Understand contractual and statutory suit limitation periods to protect your rights.
Communication Response Times
Required response windows for letters, supplements, and follow-ups.