🇺🇸 United States

Your insurance rights in United States

A plain-language summary of what your insurer must do, what they cannot do, and how to escalate when they fall short.

Acknowledgement

Insurers must acknowledge your claim within a defined statutory window — typically 5 to 15 days depending on your jurisdiction.

Decisions must come within a reasonable timeframe (typically 30–60 days). Extensions are only permitted on stated, justifiable grounds.

Lowball offers, delay tactics, and document loops can constitute bad faith — and can trigger penalties beyond the claim itself.

A free, independent ombudsman or regulator reviews disputes. Insurers know this — many improve offers the moment you file.

Independent regulator

State Insurance Commissioner

Free · typically resolves in 30–60 days

This is general information, not legal advice

Statutory windows and remedies vary by policy, state/region, and incident type. Claimance applies your specific jurisdiction inside the app.

Something just happened?

Open the SOS guide — exactly what to do (and what NOT to say) in the first 60 minutes. No login required.