When a storm hits your home or business, the clock starts ticking, not just for your repairs, but for your insurance company.\u00a0In Texas, we have some of the strictest claim-handling laws in the country, often referred to as the “Prompt Payment of Claims Act” (Texas Insurance Code Chapter 542).<\/p>\n\n\n\n
If you\u2019re waiting on a check in 2026, here is the “Texas-fast” timeline your insurance carrier is generally expected to follow.<\/p>\n\n\n\n
Once you officially notify your insurance company of a loss, they have 15 days<\/strong> to:<\/p>\n\n\n\n Once you have provided all the requested information (often called the “Proof of Loss”), the carrier moves into the evaluation phase.<\/sup> They generally have 15 business days<\/strong> to notify you in writing whether they are accepting or rejecting your claim.<\/sup>+1<\/p>\n\n\n\n Note: In complex cases, a carrier can request an extension of up to 45 days, provided they give you a written explanation of why they need more time.<\/em><\/sup><\/p>\n\n\n\n If the insurance company accepts your claim, the law doesn’t let them sit on the funds. In most cases, they must send your payment within 5 business days<\/strong> of notifying you of the acceptance.<\/sup><\/p>\n\n\n\n Under the full implementation of\u00a0HB 2067<\/strong>, transparency is no longer optional.\u00a0Insurers are now required to provide\u00a0automatic written explanations<\/strong>\u00a0for their decisions.\u00a0You no longer have to “beg” to know why a portion of your roof was declined; the burden is now on the carrier to provide that data proactively.<\/p>\n\n\n\n Texas law provides a powerful incentive for insurance companies to stay on schedule.<\/sup> Under Texas Insurance Code \u00a7 542.060<\/strong>, if a carrier fails to comply with these deadlines on a covered claim, they may be liable for:<\/p>\n\n\n\n It is important to note that during major weather events (like a hurricane or widespread freeze), the Texas Insurance Commissioner can grant insurers an extra 15 days<\/strong> to handle claims due to the sheer volume of losses.<\/sup> Even then, the “Prompt Payment” spirit remains in effect.<\/p>\n\n\n\n Navigating these deadlines while documenting damage is a full-time job. A Licensed Texas Public Adjuster monitors these “Texas-fast” dates for you, ensuring that the carrier remains compliant and that their “automatic explanations” are technically accurate based on the physical evidence of your loss.<\/p>\n\n\n\n The information provided on this blog is for general educational and informational purposes only and should not be construed as legal advice or a professional opinion on any specific insurance claim. While every effort is made to ensure the accuracy of the information presented, the Texas insurance landscape is subject to frequent regulatory changes, including the implementation of new laws like HB 2067 and updates to the Texas Insurance Code. Viewing this content or contacting our office through this website does not establish a public adjuster-client relationship. We are Licensed Texas Public Adjusters and do not provide legal services or engage in the unauthorized practice of law. Every insurance policy is unique, and coverage determinations are based on the specific language of your individual policy and the facts of your loss. For specific advice regarding your insurance claim or legal rights, you should consult with a licensed professional or a qualified attorney.<\/em><\/p>\n\n\n\n <\/p>\n","protected":false},"excerpt":{"rendered":" When a storm hits your home or business, the clock starts ticking, not just for your repairs, but for your insurance company.\u00a0In Texas, we have some of the strictest…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-471","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/posts\/471","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/comments?post=471"}],"version-history":[{"count":1,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/posts\/471\/revisions"}],"predecessor-version":[{"id":472,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/posts\/471\/revisions\/472"}],"wp:attachment":[{"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/media?parent=471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/categories?post=471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/tags?post=471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n
2. The 15 Business-Day Decision (The Acceptance or Rejection)<\/h4>\n\n\n\n
3. The 5 Business-Day Payment (The Finish Line)<\/h4>\n\n\n\n
Why 2026 is Different: HB 2067 and Automatic Explanations<\/h4>\n\n\n\n
What Happens if They Miss a Deadline?<\/h4>\n\n\n\n
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The “Catastrophe” Exception<\/h4>\n\n\n\n
How a Public Adjuster Helps<\/h4>\n\n\n\n
\n\n\n\nLegal Disclaimer<\/h6>\n\n\n\n