Final answer:
An insured must generally wait for a specified period, usually between 60 to 90 days after submitting their written proof of loss, before they can bring legal action against their insurance company. This period allows the insurer time to investigate the claim.
Step-by-step explanation:
The question relates to the waiting period that an insured must observe before initiating legal action against an insurance company following a claim. In the context of insurance contracts, there is often a specific timeframe stipulated within which an insured must wait after submitting the written proof of loss before they are permitted to bring a lawsuit against the insurer. This waiting period, which can typically range from 60 to 90 days depending on the policy and jurisdiction, is intended to give the insurance company an opportunity to fully investigate the claim and to facilitate a possible settlement without resorting to litigation. It's essential to review the terms of your individual insurance policy to identify the exact period required, as this can vary.