Rhode Island Claims Compliance
Key regulatory requirements, correspondence deadlines, and mandated forms for Rhode Island (RI).
Catastrophe-Specific Rules Apply
Rhode Island 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
Rhode Island Department of Business Regulation (DBR) - Insurance Division
Phone: (401) 462-9520; Address: State of Rhode Island Department of Business Regulation – Insurance Division, 1511 Pontiac Avenue, Building 69-2, Cranston, RI 02920; Email: [email protected]; Website: https://dbr.ri.gov/insurance-banking-securities-and-charitable-organizations/insurance
Bad Faith: R.I. Gen. Laws § 9-1-33
Lines of Business
Key Statutes
- R.I. Gen. Laws § 27-9.1-1 et seq.
- 230-RICR-20-40-2
Rhode Island 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 (R.I. Gen. Laws §§ 27-9.1-1).
Applicable Letter Templates
No letter templates currently found for this jurisdiction.