The dates on the calendar
- Notice. Policies ask for prompt notice of a loss. Late reporting is one of the most common reasons claims get harder.
- Temporary repairs. Tarping and water extraction protect the property and the claim; keep every receipt.
- Proof of loss. If the insurer asks for a sworn proof of loss, many policies allow 60 days from the request.
- Depreciation recovery. Replacement-cost policies usually set a window to finish repairs and claim the holdback. Check the number of days in yours.
- Appraiser selection. Many appraisal clauses give each side about 20 days after a written demand to name its appraiser. Enter the demand date to add it.
- Suit limitation. Many Ohio homeowner policies limit lawsuits to one year after the loss, and Ohio courts generally enforce those clauses. Appraisal doesn’t automatically pause that clock.
Not legal adviceThe calendar uses the numbers you enter. Courts can read policy deadlines differently. If a date is close, talk to an Ohio attorney now rather than later.
Related: how the appraisal timeline works.
Questions about this tool
Is the date of loss the day I found the damage?
Usually it is the date of the storm or event, not the day you noticed it. Weather records for your address can help pin it down.
Does demanding appraisal stop the one-year suit clock?
Not automatically. Some policies or written agreements address it, many don’t. Treat the suit date as live and get legal advice before it gets close.
What does the .ics file work with?
Google Calendar, Apple Calendar and Outlook all import .ics files. The file is built in your browser and never sent to us.