The dates this insurance claim deadline calculator tracks
- Prompt notice. Policies require you to report a loss promptly. Late notice is a common insurer defense.
- Proof of loss. If the insurer requests a sworn proof of loss, many policies give 60 days to return it.
- Depreciation recovery. Replacement cost policies usually require repairs within a set period to collect holdback.
- Suit limitation. Virginia’s standard fire policy provisions commonly allow two years from the date of loss to file suit. Appraisal may not stop that clock.
ImportantThis planner only uses the numbers you enter. It isn’t legal advice, and courts may read policy deadlines differently. If a deadline is close, contact a Virginia attorney.
Questions about this tool
Is the date of loss the day I noticed the damage?
Usually it’s the date of the storm or event. Weather records for your address can help confirm it.
Does demanding appraisal extend my suit deadline?
Not automatically. Some policies or written agreements address it, but many don’t. Protect the deadline separately.