The dates that matter most
- Prompt notice. Policies require you to report a loss promptly. Late notice is a defense carriers raise often.
- Proof of loss. If the carrier asks for a sworn proof of loss, many policies allow 60 days to return it.
- Depreciation recovery. Replacement cost policies typically require repairs within a set time to release the holdback.
- Suit limitation. Many Pennsylvania property policies limit lawsuits to one year from the date of loss, and Pennsylvania courts have generally enforced those clauses. Appraisal may not pause the clock unless the policy or a written agreement says so.
ImportantThis calendar uses the numbers you enter. It isn’t legal advice, and courts can read policy deadlines differently. If a deadline is close, contact a Pennsylvania attorney promptly.
Read more in our guide to the one-year suit clause and appraisal.
Questions about this calculator
Is the date of loss the day I noticed the damage?
Usually it is the date the storm or event happened. Weather records for your address can help pin it down.
Does demanding appraisal stop the suit-limitation clock?
Not automatically. Some policies or written agreements address it, many don’t, so protect the deadline separately.