Delaware Claims Compliance
Key regulatory requirements, correspondence deadlines, and mandated forms for Delaware (DE).
Catastrophe-Specific Rules Apply
Delaware has catastrophe-specific rules that may modify standard deadlines and require additional consumer notices during declared emergency periods. Check the Disclosures and Research tabs for details.
Quick Reference
Key Deadlines
Requirements
- Mandated Forms
- Catastrophe Rules
- Separate P&C / Life & Health
- Fraud Warning
- Depreciation Notice
- E-Delivery (with_consent)
Regulatory Authority
Delaware Department of Insurance
Phone: 1-800-282-8611 or (302) 674-7300 / (302) 674-7310; Website: https://insurance.delaware.gov/services/filecomplaint/; Address: 1351 West North Street, Suite 101, Dover, DE 19904; Email: [email protected]
Bad Faith: 18 Del. C. § 2304(16)
Lines of Business
Key Statutes
- 18 Del. C. §§ 2301–2316
- 18 DE Admin. Code § 902
- 18 DE Admin. Code § 903
Delaware handles claims correspondence according to specific state regulations. Requirements vary depending on the line of business and specific claim circumstances.
Acknowledgment
Every claim must be acknowledged within 15 days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.
Denial
A written denial must be issued within 30 days. The denial must reference the specific policy provisions, conditions, or exclusions relied upon.
Statutory Language
Specific fraud warning required.
Applicable Letter Templates
No letter templates currently found for this jurisdiction.