How many days must you wait after written proof of loss is approved before suing the insurance company?

The requirement to wait a specific number of days after written proof of loss is approved before initiating a lawsuit against an insurance company is governed by state laws, which can vary. In Georgia, the guideline stipulates that an insured must wait 60 days after providing written proof of loss for the insurer's decision before they are allowed to file a lawsuit.

This period allows the insurer sufficient time to review the claim, make any necessary investigations, and respond appropriately. If an insured were able to file suit immediately after submitting proof of loss, it could lead to premature legal actions that do not give the insurer the opportunity to address the claim adequately.

The established 60-day waiting period is designed to facilitate a fair and reasonable process for both parties involved in the insurance claim. This timeframe ensures that the insurer has an adequate chance to fulfill its obligations under the policy while also protecting the rights of the insured to seek legal recourse if necessary.