The Wisconsin Office of the Commissioner of Insurance has recently issued a Bulletin on October 7, 2025, to remind insurers of the 30-day time to process claims. The key highlights are as follow:
- On September 11, 2025, FEMA announced that Milwaukee, Washington, and Waukesha counties had received a disaster declaration and that residents in those counties could apply for disaster assistance.
- Residents affected by the flooding cannot receive financial assistance unless they have proof of a claim denial from their insurer and the deadline to apply for the funding is November 12, 2025.
- Ins 6.11, Wis. Adm. Code requires that insurers affirm or deny coverage of claims within a reasonable time after proof of loss has been completed.
- Under Wis. Stat. 628.46, a claim shall be overdue if not paid within 30 days after the insurer is furnished written notice of the fact of a covered loss and of the amount of the loss.
- Failure to process claim denials in a timely manner could potentially affect a consumer’s ability to apply for FEMA disaster assistance by the November 12 deadline and the commissioner expects that all homeowner and auto insurance carriers will process submitted claims promptly as required.
Please note that this bulletin became effective upon issuance on October 7, 2025.
For any questions related to the above referenced bulletin in Wisconsin, please contact Westmont Associates!