Claim Clock
Your state gives your insurance company a set number of days to acknowledge your claim, decide it and pay it. Put in your dates and see where the clock stands.
How the Claim Clock works
For each state we read the insurance code and the claim-handling regulations, find the deadlines for property claims, and record the number of days, the kind of days and what starts the count. Each deadline links to the rule so you can read the words yourself.
- Calendar days count every day. Business or working days skip weekends. The tool does not subtract public holidays, so a business-day deadline may fall a day or two later than shown.
- Many rules pause the clock while the insurer waits for information it asked you for, and many states extend deadlines after a declared disaster. The tool cannot see either.
- Your policy has its own deadlines for you, such as when to send proof of loss. Those are in the policy, not on this clock.
If the clock shows the insurer is past a window, read the linked rule first. Then see what to do when a claim is taking too long.
Questions about claim deadlines
Does every state set deadlines for insurance companies?
What if my insurer is past a deadline?
Are the dates I enter saved or sent anywhere?
Other free tools
Is a public adjuster worth the fee?
Work out how much a public adjuster would have to add before you come out ahead.
Run the numbers Contract CheckWhat must the contract say?
A checklist of what your state says a public adjuster contract must contain.
Check a contract Do I need one?Do I need a public adjuster at all?
Six questions. An honest answer, including when the answer is no.
Take the quiz