Maryland Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Maryland (MD).

Quick Reference

Key Deadlines

Acknowledgment
15 business/working days
Accept/Deny
REASONABLE
Investigation
45 calendar days (extendable with notice every 45 calendar days)
Payment
PROMPTLY
Status Updates
45 calendar days

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (no specific statutory or regulatory requirement found)

Regulatory Authority

Maryland Insurance Administration (MIA)

Address: 200 St. Paul Place, Suite 2700, Baltimore, MD 21202; Phone: 410-468-2000 / Toll-Free: 800-492-6116; Website: https://insurance.maryland.gov

Bad Faith: Md. Code Ann., Ins. § 27-1001; Md. Code Ann., Cts. & Jud. Proc. § 3-1701

Key Statutes

  • Md. Code Ann., Ins. § 27-301 through § 27-306
  • COMAR 31.15.07.01 through 31.15.07.08
Last reviewed: April 1, 2026

Maryland 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 and bold-print DOI contact info required.

Applicable Letter Templates

No letter templates currently found for this jurisdiction.