What is the waiting period before legal action can be taken against an insurer after filing proof of loss?

The correct answer is 90 days because, under Texas insurance law, a policyholder must wait for a period of 90 days after submitting proof of loss before they can initiate legal action against their insurer. This waiting period is intended to give the insurer sufficient time to investigate the claim and respond appropriately. By affording this period, policyholders can ensure that their claim is handled properly before pursuing legal recourse, fostering a fair claims process. Understanding this timeline is crucial for both policyholders and those working within the insurance industry to manage expectations regarding claims resolution and legal avenues.