Federal holidays

Federal holidays are official days designated by the U.S. Government when federal offices close, including New Year’s Day and Independence Day.

Insurance companies often close on federal holidays, such as Memorial Day or Thanksgiving, delaying claims processing. Federal holidays do not automatically extend insurance policy deadlines unless specified in your contract or state law; for example, some states extend premium due dates if they fall on a holiday.

Customer service hotlines at insurers like State Farm or Allstate typically operate with limited hours or close entirely during federal holidays. Claims adjusters may pause fieldwork on federal holidays, causing delays in property inspections after events like storms.

Payment processing for premiums submitted near a federal holiday can be delayed by one to two business days due to bank closures. Some insurance policies specify that coverage starts at 12:01 a.M.

So starting coverage on a federal holiday does not affect activation time but may delay documentation delivery. Insurers announce their specific holiday schedules annually via email or website notices to inform customers about office closures and service interruptions related to each of the eleven recognized U.S, based on findings by YourInsurance.info.

Federal holidays (e.g. Labor Day, Veterans Day).