The dates that matter
- Notice. Policies require prompt notice of a loss. Late reporting is a defense insurers raise often.
- Proof of loss. If the insurer asks for a sworn proof of loss, many policies allow 60 days to return it.
- Naming an appraiser. Many appraisal clauses give each side 20 days after a written demand to name its appraiser.
- Depreciation recovery. Replacement cost policies typically require repairs within a set period to collect holdback.
- Suit limitation. Policies set a period for filing suit. Idaho law can affect how those provisions apply, so confirm the deadline with an Idaho attorney. Appraisal may not pause it.
ImportantThis builder uses the numbers you enter. It isn’t legal advice, and courts can interpret policy deadlines differently. If a deadline is close, contact an Idaho attorney.
Questions about the claim timeline builder
Is the date of loss the day I found the damage?
Usually it’s the date the storm or event happened. Weather records for your address can help pin it down.
Does invoking appraisal pause the suit deadline?
Not automatically. Some policies or written agreements address it; many don’t. Protect the deadline independently.