Texas claim deadlines, mapped to your dates.
Texas law gives insurers set windows to acknowledge, decide and pay property claims. Enter your dates to see when each response is generally due.
Educational summary, not legal advice. Business days exclude weekends and federal holidays as an approximation. Some policies, insurers and claim types follow different rules, and other exceptions may apply. Confirm deadlines with the statute, your insurer or an attorney.
Using the texas claim deadline calculator
Enter the notice date
The date the insurer received notice of your claim.
Add later dates
When the insurer received requested items, and when it agreed to pay.
See the deadlines
Each date is calculated and labeled with the statute section it comes from.
Texas claim deadline calculator FAQs
These tools from The Colony Public Adjuster help you get organized. They do not decide coverage or payment. For a closer look at your own numbers, request a free claim review.
Free claim reviewHow long does an insurance company have to acknowledge a claim in Texas?
Generally 15 days after receiving notice of the claim, during which it must also begin investigating and request the items it needs (Tex. Ins. Code §542.055). Eligible surplus lines insurers generally have 30 business days.
How long does the insurer have to accept or deny?
Generally 15 business days after receiving all requested items, extendable up to 45 days if the insurer notifies you that it needs more time and explains why (§542.056).
When must the insurer pay once it accepts the claim?
Generally within 5 business days after notifying you that it will pay (§542.057). Weather catastrophes can add 15 days to these deadlines.
Keep getting organized
Deductible calculator
Turn a percentage deductible into dollars and compare it with a repair estimate.
Open the tool CalculatorClaim payment calculator
See how RCV, depreciation, your deductible and prior payments shape a claim payment.
Open the tool WorksheetDepreciation calculator
Estimate actual cash value for roofs, flooring, appliances and more, item by item.
Open the toolYour claim deserves a closer look.
Talk with The Colony Public Adjuster about the damage, the paperwork and your next step. The first review is free and there is no obligation.