How Long Does an Insurance Company Have to Process or Deny a Claim in Alabama?

Under Alabama Administrative Code Rule 482-1-124-.04, the following practices and timeframes apply:

• The insurer must provide the necessary forms and instructions within 15 days of receiving notice of a claim.
• The insurer must start processing the claim within 15 days of receiving proof of loss.
• Upon receipt of proof of loss, the insurer must affirm or deny the claim or inform the claimant that the claim is under investigation within 60 days.