New York: claim deadlines
How quickly an insurer must acknowledge your claim, decide it, and pay once it agrees.
Under review| Time to acknowledge your claim | 15 days |
|---|---|
| Time to accept or deny | 15 business days after proof of loss |
| Time to pay | Not set by rule |
| Rule | 11 NYCRR 216 |
Based on a 50-state survey of claim rules; rules may have changed since. Confirm with the state insurance department.
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in New York.
Also for New York: Car insurance by state in New York · Small claims limits in New York
How we checked this
Florida and Louisiana were confirmed on state sources after their 2023 and 2024 changes; California, Texas and Georgia match current law-firm summaries. Other states come from a 50-state survey of claim rules and are marked for review. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site From a statute-cited table one detailed source Under review sources disagree; read the note and the law.