Texas Claims Compliance

Overview of key regulatory requirements, correspondence deadlines, and mandated forms for Texas.

Compliance Overview

Acknowledgment Deadline
15 calendar days (acknowledgment) / 15 business days (begin investigation)
Denial Deadline
15 business days after receiving all items, statements, and forms required; not to exceed 45 days
Mandated Forms
No
Catastrophe Rules
Yes

Texas

The Texas Department of Insurance expressly defines unfair claim settlement practices and minimum standards of performance, which feed directly into letter-content checklists and response-timing tools.

Key Requirements

Acknowledgment

An insurer must acknowledge a claim within 15 calendar days of notification. The insurer must commence investigation within 15 business days.

Prompt Payment

Texas's Prompt Payment of Claims Act (Chapter 542) requires insurers to accept or reject claims within 15 business days of receiving all required documentation, but in no event more than 45 days from receipt of the claim.

Penalties

Failure to comply triggers statutory interest at 18% per annum on the amount owed, plus reasonable attorney fees.

Applicable Letter Templates