Many homeowners believe they can file a claim whenever they notice damage. However, insurance policies and state laws dictate strict deadlines, known as the Statute of Limitations.
How Long Do You Have?
This varies by state and policy. It can be as short as 1 year or as long as 2-3 years from the "Date of Loss" (the day the storm hit). If you try to file a claim one day after this period expires, it will be automatically denied.
Why Dates Matter
Pinpointing the exact date of loss is crucial. Insurance companies track weather data precisely. If you claim damage from a storm that happened 18 months ago but list last week's date, they will deny it based on weather reports.
Don't Wait
Even if you aren't seeing leaks yet, it's vital to get a free inspection after any major storm. Documenting the damage early protects your right to file a claim within the window.