Are insurance companies allowed to take forever to respond to your insurance claim?
Not in Texas.
State law gives your company 15 business days to tell you it’s received your claim.
Your insurance company will determine if your policy covers the damage you had. An adjuster might inspect or look at photos of the damage. Also, the company might ask you for more information before deciding to accept your claim.
Your company has 15 business days after getting what it needs from you to decide if it will pay. The company can extend this deadline by 45 days if they tell you why they need more time. If the company rejects your claim, it must say why in writing.
The Texas Department of Insurance may be able to help if you have a problem with your company, agent, or adjuster. We can make sure companies are following the law and paying you according to your policy. Learn about filing a complaint here.
Have questions? Call TDI’s Help Line at 800-252-3439. It’s open weekdays from 8 a.m. to 5 p.m. Central time.
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