Insurance Claim Acknowledgment Timeline
How long carriers have to acknowledge a claim under state regulations — and what to do if they miss the deadline.
Georgia acknowledgment requirements
In Georgia, insurance carriers are required to acknowledge receipt of a claim within 15 days of notification. This acknowledgment must be in writing and must include a reference to your claim number and the name of the adjuster assigned.
What counts as acknowledgment
- Written letter or email confirming your claim has been received
- Assignment of a claim number
- Notice of the adjuster assigned to your claim
- Description of what information the carrier needs from you
If the carrier misses the acknowledgment deadline
Document your original claim filing with timestamps. Send a written follow-up to the carrier citing the 15-day acknowledgment requirement. If there is still no response, file a complaint with the Georgia Department of Insurance. The OCI has enforcement authority and carriers take formal complaints seriously.
File a complaint with the Georgia OCI →
After acknowledgment: what comes next
Acknowledgment starts the clock on the decision timeline. The carrier must provide an acceptance or denial of your claim — or a statement that more time is needed — within 15 business days of completing their investigation.