They have to issue the check within 21 days of your lawyer tendering the closing papers. "Tendering" has a legal meaning.... personal delivery or certified or registered mail, return receipt requested.
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The opposite of incentive is disincentive (penalty). Most states impose a financial penalty for dragging out payment past the 25-30 day legal interval. Insurance Companies typically pay within the allowed period because they do not want to incur penalties.
We offer general concepts, but you should give ALL your facts to a licensed Attorney in your state before you RELY upon any legal advice.
There are a few times in the lat 500 settlements that it has taken more than 30 days. Usually 7-15 is what I see. and I agree that there are some penalties that might apply so they do not have an incentive to be late.