South Carolina Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for South Carolina (SC).

Quick Reference

Key Deadlines

Acknowledgment
REASONABLE
Accept/Deny
PROMPTLY
Investigation
PROMPTLY
Payment
90 calendar days
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 (with_consent)

Regulatory Authority

South Carolina Department of Insurance (SC DOI)

Phone: 803-737-6160 or 800-768-3467; Website: https://www.doi.sc.gov; Address: 1201 Main Street, Suite 1000, P.O. Box 100105, Columbia, SC 29202-3105

Bad Faith: S.C. Code Ann. § 38-59-20

Key Statutes

  • S.C. Code Ann. Title 38, Chapter 59 (§ 38-59-10 et seq.)
Last reviewed: April 1, 2026

South Carolina 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

No specific statutory language mandated beyond standard disclosures.

Applicable Letter Templates

No letter templates currently found for this jurisdiction.