Insurer time to respond to a claim to avoid waiving their right to contest?

• A. 15 days
• B. 60 days
• C. 30 days
• D. 90 days

Answer: (B)

In Texas, there’s a strict time frame for insurers to handle a first‑party claim because it sets a firm limit on how long they can delay payout or denial. After the insurer receives all information needed to determine coverage and amount, they must either pay the claim or deny it within a 60‑day window. If that deadline passes without a payment or denial, penalties can apply and the insurer can lose the right to contest the claim as vigorously, effectively protecting the insured and discouraging undue delays. While insurers are also supposed to acknowledge a claim within a short period and may request additional information, the crucial deadline for avoiding waiver of defenses is the 60‑day pay/deny rule. The other time frames aren’t the statutory standard for this purpose.