The dates that matter
- Prompt notice. Policies require prompt notice of a loss. Late notice is one of the most common defenses an insurer raises.
- Proof of loss. If the carrier asks for a sworn proof of loss, many policies give 60 days to return it.
- Depreciation recovery. Replacement cost policies often require repairs within a set period, commonly 180 days to a year or more, to collect the holdback.
- Suit limitation. Many policies require any lawsuit within one or two years of the loss. Invoking appraisal does not automatically pause that clock.
ImportantThis calendar uses only the numbers you enter. It is not legal advice, and deadlines can be interpreted differently. If a deadline is close, talk to an Arizona attorney now.
Questions about this tool
Is the date of loss when I noticed the damage?
Usually it is the date of the storm or event. Weather records for your address can help pin it down.
Does the .ics file upload anywhere?
No. It is created in your browser and saved straight to your device.