Free tool · Sugar Land Public Adjuster
Texas Insurance Claim Deadline Calculator
Enter a few dates and see when your insurer’s Texas Prompt Payment deadlines fall—and which ones may already have passed.
How the deadlines are counted
“Days” are calendar days; “business days” skip weekends and holidays. This calculator skips weekends and major federal holidays, so treat the dates as close approximations. Surplus lines insurers and some policy types have different rules, and flood claims under the National Flood Insurance Program follow federal deadlines instead.
If your insurer is stalling, keep every letter and email, write down every call, and respond to document requests promptly—the clock on the accept/reject decision generally starts when the insurer has everything it reasonably asked for. A Sugar Land public adjuster can take over that communication for you.
Frequently asked questions
What is the Texas Prompt Payment of Claims Act?
Chapter 542, Subchapter B of the Texas Insurance Code sets deadlines for insurers handling first-party claims. In general, an insurer must acknowledge the claim, begin its investigation and request what it needs within 15 days of notice; accept or reject the claim within 15 business days after receiving everything it requested (it may extend this by up to 45 days if it notifies you why it needs more time); and pay within 5 business days after notifying you it will pay.
Can these deadlines be extended after a hurricane?
Yes. After a weather-related catastrophe or major natural disaster, Texas law allows the claim-handling deadlines to be extended by an additional 15 days. Tick the catastrophe box to see the effect.
What happens if the insurer misses a deadline?
Texas law can allow statutory interest and attorney’s fees when an insurer violates the prompt-payment rules, but whether that applies depends on the facts. Keep a dated log of every communication, and talk with an attorney about legal remedies.
How long do I have to report a storm claim?
Check your policy. Many Texas homeowners policies require weather-related claims to be reported within one year of the date of loss, and every policy requires prompt notice.
These tools give planning estimates only. They are not legal advice, an appraisal or a guarantee of what any insurer will pay. Your policy language controls. For a free review of your actual claim, call or text +1 (832) 503-5866.
Property damage? The clock is already ticking.
Start with a free consultation and protect your claim before mistakes cost you money.