CLAIMS & TIMELINES

Texas insurance claim timelines are governed by state law, including the 15-15-5 rule under Texas Insurance Code Chapter 542. This category covers how to file a claim, what insurers are required to do and when, and what happens if a claim is denied. All content is written by a licensed Texas insurance agent and reflects current Texas law.

CLAIMS & TIMELINES

How Long Does an Insurance Company Have to Respond in Texas? The 15-15-5 Rule
ByDavid Offutt April 11, 2026April 11, 2026

Texas law requires insurers to follow the 15-15-5 rule under Chapter 542. Learn the three deadlines, the 18% interest penalty for violations, and what to do if your insurer is dragging its feet.

Read More How Long Does an Insurance Company Have to Respond in Texas? The 15-15-5 Rule