Key policyholder deadlines
Notice of loss (627.70132)
- 1 year from date of loss for new claims
- 18 months for supplemental claims
- Absolute deadlines: no extensions
Proof of loss response
- 60 days from carrier demand typically
- Policy-specific language controls
- Substantial compliance often sufficient
EUO attendance
- Reasonable time from demand
- Schedule with counsel
- Attendance with accommodation possible
Appraisal response
- 20 days from written demand to name appraiser
- 15 days for appraisers to agree on umpire
- Court-appointed umpire if not agreed
Statute of limitations
- 5 years on contract action
- 5 years on bad-faith action (separate trigger)
Key carrier deadlines
Acknowledgment (627.70131)
- 7 days from notice
Inspection initiation
- 30 days from notice
Pay, deny, or explain
- 60 days from notice
Missed deadlines (policyholder)
1-year new-claim window
- Claim may be time-barred
- Exceptions for reasonable excuse rare
- Absolute deadline in most cases
18-month supplemental
- Additional scope lost after window closes
- Some exceptions for newly-discovered
- Much narrower than original notice
Appraisal response
- Right to appraisal may be waived
- Panel may proceed without appraiser
- Court-appointed appraiser possible
Proof of loss
- Breach may support denial
- Substantial compliance defense available
How to prevent missing
Calendar deadlines immediately
- Date of loss → deadline calendar
- Reminders at 30 days before
- Professional calendar monitoring
Maintain documentation
- Loss date verified
- All relevant dates tracked
- Written record of actions
Professional representation
- PA or attorney calendars deadlines
- Accountability for timely action