Minnesota Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Minnesota (MN).

Quick Reference

Key Deadlines

Acknowledgment
10 business/working days
Accept/Deny
30 business/working days (from notification) or 60 business/working days (from proof of loss)
Investigation
30 business/working days
Payment
5 business/working days (from settlement agreement) or 60 calendar days (after proof of loss and ascertainment of loss)
Status Updates
No specific statutory or regulatory requirement found

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (yes)

Regulatory Authority

Minnesota Department of Commerce

Minnesota Department of Commerce, Consumer Helpline, 85 7th Place East, Suite 280, St. Paul, MN 55101; Phone: 651-539-1600 or 800-657-3602; Email: [email protected]; Website: mn.gov/commerce

Bad Faith: Minn. Stat. § 604.18

Key Statutes

  • Minn. Stat. § 72A.201
Last reviewed: April 1, 2026

Minnesota 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 10 working days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.

Denial

A written denial must be issued within 15 working 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.