Wisconsin Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Wisconsin (WI).

Quick Reference

Key Deadlines

Acknowledgment
10 calendar days
Accept/Deny
REASONABLE
Investigation
REASONABLE
Payment
30 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

Wisconsin Office of the Commissioner of Insurance (OCI)

Phone: 1-800-236-8517 or 608-266-0103; Website: oci.wi.gov; Address: 101 East Wilson St., Madison, WI 53703; Mailing: P.O. Box 7873, Madison, WI 53707-7873

Bad Faith: Common law tort (e.g., Anderson v. Continental Ins. Co.), guided by Wis. Admin. Code Ins § 6.11

Key Statutes

  • Wis. Stat. §§ 628.46, 631.81, 631.83
  • Wis. Admin. Code Ins § 6.11
Last reviewed: April 1, 2026

Wisconsin 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 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.