Every claim deadline, counting down

Which clocks are running

Two kinds of deadlines govern a property claim, and they run on different clocks. Filing deadlines run from your date of loss: in Florida you must give notice of a new or reopened claim within one year, and a supplemental claim within eighteen months (Fla. Stat. § 627.70132). Suit deadlines, the statute of limitations; set the outer wall: five years in Florida, three in South Carolina.

Flood is a separate world. An NFIP policy requires a sworn proof of loss within sixty days of the loss, and any lawsuit must be filed within one year of the insurer’s written denial (42 U.S.C. § 4072), a federal clock with no tolling. Pick the claim type that matches your policy and the tool switches to the right set. A few items (the insurer’s pay-or-deny window, appraisal, the NFIP suit clock) start from an event other than the date of loss, so they show as reference notes rather than countdowns.