Pennsylvania Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Pennsylvania (PA).

Quick Reference

Key Deadlines

Acknowledgment
10 business/working days
Accept/Deny
15 business/working days
Investigation
30 calendar days
Payment
No specific statutory or regulatory requirement found
Status Updates
45 calendar days (If more time needed after proof of loss, notice within 15 business/working days, then 30 calendar days, then every 45 calendar days)

Requirements

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

Regulatory Authority

Pennsylvania Insurance Department

Phone: 1-877-881-6388; Website: www.insurance.pa.gov; Address: 1326 Strawberry Square, Harrisburg, PA 17120

Bad Faith: 42 Pa.C.S. § 8371

Key Statutes

  • Unfair Insurance Practices Act, 40 P.S. §§ 1171.1–1171.15
  • Unfair Claims Settlement Practices, 31 Pa. Code §§ 146.1–146.10
Last reviewed: April 1, 2026

Pennsylvania 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.