How long after submitting proof of loss must an insured wait to sue an insurer?

The correct answer indicates that an insured must wait 90 days after submitting proof of loss before being able to sue an insurer. This timeframe is established to ensure that insurers have a reasonable amount of time to investigate and respond to the claim before any legal action is initiated.

In Arizona, the law specifies that after an insured provides proof of loss, they are allowed to initiate legal proceedings if the insurer does not settle the claim within this specified period. This 90-day period promotes fairness and collaboration between the insurer and the insured, encouraging resolution through negotiation rather than litigation right away.

Other options may misrepresent the legal timeframes outlined in Arizona's insurance laws. The variation by insurance type mentioned as one alternative does exist but is not universally applicable, as the standard waiting period for most types of insurance claims is indeed set at 90 days. This helps maintain a structured process for claims and provides clarity to policyholders.