What is the minimum number of days an insured must wait after proof of loss before legal action can be taken against the insurer?

The minimum number of days an insured must wait after submitting proof of loss before initiating legal action against the insurer is typically set at 60 days. This provision is designed to give the insurance company adequate time to investigate and respond to the claim before any legal proceedings occur. Insurers often require this timeframe to ensure they can gather necessary information and resolve claims efficiently.

While some policies may state different periods, 60 days is a common standard across many insurance contracts. It fortifies the process for both parties—allowing the insurer to handle claims responsibly while also giving the insured a timeframe that is reasonable for potential frustration with delays.