My insurer keeps asking for new documents and the claim never ends. What are my rights?

Home insuranceSlow or stuckTexasChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗

In short

The company's decision clock starts when it has all the information it needs from you.
Texas: 15 business days to accept or reject; 45 days if it needs more time and tells you why.
TDI asks a company to respond to a complaint in 15 days.

What this means

TDI says the company must accept or reject your claim within 15 business days of getting all the information it needs from you [1]. A company that needs more time can take 45 days to decide whether to pay, and it must tell you the reason for the delay [1]. If it denies the claim, it must tell you why in writing [1].

If you file a complaint with TDI, it asks the company to respond within 15 days. The company can ask for a 10-day extension [2].

Your next step

Count 15 business days from the date the company has all the information it needs from you [1]. These are Texas auto rules; the home guide has the same 15-business-day line [3]. The deadlines these sources give are 15 business days, or 45 days if the company needs more time and tells you why.

Check it yourself

Open TDI, Auto insurance guide (cb020), at https://www.tdi.texas.gov/pubs/consumer/cb020.html and read the part quoted above. Sources 2–3 list more pages to open. Your own plan or policy papers hold details these sources do not give: "Don't know yet" for your case.

Where this comes from (3)

[1] TDI · checked 2026-11-06
Accept or reject your claim within 15 business days of getting all the information it needs from you. A company that needs more time can take 45 days to decide whether to pay your claim. It must tell you the reason for the delay … If it denies your claim, it must tell you why in writing
[2] TDI · checked 2026-11-06
Companies have 15 days to respond to us and can ask for a 10-day extension
[3] TDI · checked 2026-11-06
Accept or deny your claim within 15 business days of getting all the information it needs from you. If the company denies your claim, it must tell you why in writing

How we found this

We matched your question to 3 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.

Every answer is checked against the official rule it quotes.

Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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