The deadlines that matter most
- Prompt notice. Policies require you to report losses promptly. Late notice is one of the most common defenses carriers raise.
- Proof of loss. If the carrier requests a sworn proof of loss, many policies give 60 days to return it.
- Depreciation recovery. Replacement cost policies typically require repairs within a set period to collect holdback.
- Suit limitation. Georgia homeowner policies commonly require lawsuits within two years of the loss. Appraisal may not stop that clock.
ImportantThis planner uses the numbers you enter. It isn’t legal advice, and courts can interpret policy deadlines differently. If a deadline is close, contact a Georgia attorney.
Questions about this tool
Is the date of loss the day I noticed the damage?
Usually it’s the date the storm or event occurred. If you’re not sure, weather data for your address can pin it down.
Does invoking appraisal extend my suit deadline?
Not automatically. Some policies or agreements address it; many don’t. Protect the deadline independently.