Tennessee Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Tennessee (TN).

Quick Reference

Key Deadlines

Acknowledgment
30 calendar days
Accept/Deny
60 calendar days
Investigation
60 calendar days
Payment
30 calendar days
Status Updates
60 calendar days

Requirements

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

Regulatory Authority

Tennessee Department of Commerce and Insurance (TDCI)

Phone: (800) 342-4029 or (615) 741-2218; Website: https://www.tn.gov/commerce/resources-services/file-a-complaint.html; Address: Consumer Insurance Services, 500 James Robertson Parkway, 4th/10th Floor, Nashville, TN 37243

Bad Faith: Tenn. Code Ann. § 56-7-105

Key Statutes

  • Tenn. Code Ann. §§ 56-8-101 to 56-8-114
  • Tenn. Comp. R. & Regs. 0780-01-05-.01 to 0780-01-05-.16
Last reviewed: April 1, 2026

Tennessee 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.

Applicable Letter Templates

No letter templates currently found for this jurisdiction.