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Claim deadlines by state

See what a state's rules say about the time limits after storm damage.

General information about state rules, not legal advice. Your policy may set a shorter time. Ask an attorney about your deadline.

Rules checked November 1, 2026

Alabama

Claim time limits in Gulf and Atlantic states

Reporting the claim
Set by the policy
Insurer deadlines
Acknowledge and send claim forms: 15 days. Decide: 30 days after proof of loss. Pay: 30 days after agreement. A policy may set its own period for both.
Effective date
June 9, 2003; amended effective January 1, 2020 and May 16, 2020

The full guide and its sourcesAfter-storm checklist

Where time limits come from

Time limits after storm damage come from two places: the policy and state law. This tool shows what a state's published rules say. It doesn't work out a date, because the policy can set a shorter time and the rule that applies depends on the policy and the insurer.

How to read the rules

  • Set by the policy: the state has no rule of its own for this step, so the policy's wording decides.
  • No state rule: we found no state rule for this step. That does not mean there is no time limit.
  • Effective dates: a rule can apply only to policies issued or renewed after a set date, so check the date beside it.

Questions

Does this tool tell me my deadline?
No. It shows published state rules. Your policy may set a shorter time, and an attorney can tell you the deadline for your claim.
Why doesn't it calculate a date?
A calculated date could be relied on while a policy sets a shorter time. Which rule applies also depends on the policy and the insurer.
My state isn't listed. What should I do?
Check your policy and your state's insurance department. This tool covers the states in our deadlines guide.

Terms used here

Sources

The tool shows published rules and sends nothing anywhere. The rules and their sources are from our deadlines guide.

  1. 1. Texas Windstorm Insurance Association: Claims process
  2. 2. Texas Legislature: Texas Insurance Code Chapter 2210, Texas Windstorm Insurance Association (section 2210.205)
  3. 3. Texas Legislature: Texas Insurance Code Chapter 2301, Policy Forms (section 2301.010)
  4. 4. Texas Legislature: Texas Insurance Code Chapter 542, Processing and Settlement of Claims
  5. 5. Florida Legislature: Florida Statutes 627.70132, Notice of property insurance claim
  6. 6. Florida Legislature: Florida Statutes 627.70131, Insurer's duty to acknowledge communications regarding claims; investigation
  7. 7. Florida Office of Insurance Regulation: Informational Memorandum OIR-23-01M: Senate Bill 2-A, Prompt Payment of Claims and Claim Filing Deadlines (March 1, 2023)
  8. 8. Florida Legislature: Florida Statutes 627.4025, Residential coverage and hurricane coverage defined
  9. 9. Florida Legislature: Florida Statutes 624.604, Property insurance defined
  10. 10. The Florida Senate: 2023 Florida Statutes 627.70132, with note on section 23, chapter 2023-172
  11. 11. Louisiana State Legislature: Louisiana R.S. 22:1892, Payment and adjustment of claims
  12. 12. Louisiana State Legislature: Louisiana R.S. 22:1892.2, Catastrophic loss claims settlement practices
  13. 13. Louisiana State Legislature: Louisiana R.S. 22:1264, Presumption of coverage
  14. 14. Louisiana Department of Insurance: Catastrophe Claims Process Disclosure Guide (revised October 2025)
  15. 15. Mississippi Insurance Department: Storm Response and Claims Tips (March 16, 2025)
  16. 16. Mississippi Insurance Department: Post-Disaster Claims Guide
  17. 17. Alabama Department of Insurance (Alabama Administrative Code): Chapter 482-1-125, Standards for Property/Casualty Insurance Claims
  18. 18. Alabama Department of Insurance (Alabama Administrative Code): Rule 482-1-125-.07, Standards for Prompt, Fair and Equitable Settlements Applicable to All Insurers
  19. 19. South Carolina Legislature: South Carolina Code Title 38, Chapter 59
  20. 20. South Carolina Department of Insurance: Post-Disaster Claims Guide
  21. 21. North Carolina General Assembly: G.S. 58-44-16, Fire insurance policies; standard fire insurance policy provisions
  22. 22. North Carolina General Assembly: Session Law 2009-171 (House Bill 1165)
  23. 23. North Carolina Department of Insurance: FAQs About Homeowners Insurance
  24. 24. Georgia General Assembly: Official Code of Georgia Annotated, 2025 Supplement, Title 33, Chapters 1 to 22 (section 33-6-34)
  25. 25. Office of the Governor of Georgia: HB 1344 as passed and signed, new Code section 33-3-28.1
  26. 26. Georgia General Assembly: HB 1344, Georgia Insurance Affordability and Claims Integrity Act
  27. 27. Georgia Office of the Commissioner of Insurance and Safety Fire: Insurance Claim Tips
  28. 28. Texas Legislature: Texas Civil Practice and Remedies Code Chapter 16, Limitations (sections 16.070 and 16.071)
  29. 29. Oklahoma State Senate: Oklahoma Statutes Title 36, Insurance (sections 3617, 4803 and 4805)
  30. 30. Nebraska Legislature: Neb. Rev. Stat. 44-357, Policies; stipulations forbidden
  31. 31. Nebraska Legislature: Neb. Rev. Stat. 25-205, Actions on written contracts
  32. 32. South Dakota Legislature: SDCL 53-9-6, Restraints on legal proceedings void
  33. 33. South Dakota Legislature: SDCL 15-2-13, Contract obligation or liability
  34. 34. North Dakota Legislative Branch: N.D.C.C. Chapter 26.1-39, Property and Casualty Insurance (section 26.1-39-06)
  35. 35. Colorado Revised Statutes, as published by Public.Law: C.R.S. 10-4-110.8, Homeowner's insurance (subsection 12)
  36. 36. Colorado Revised Statutes, as published by Public.Law: C.R.S. 13-80-101, General limitation of actions, three years
  37. 37. Minnesota Office of the Revisor of Statutes: Minn. Stat. 65A.01, Minnesota standard fire insurance policy
  38. 38. Minnesota Office of the Revisor of Statutes: Minn. Stat. 65A.26, Hail insurance, policies, loss adjustment
  39. 39. Iowa Legislature: Iowa Code 515.109, Standard fire insurance policy
  40. 40. Missouri Revisor of Statutes: RSMo 431.030, Provisions limiting time for bringing suits prohibited
  41. 41. Montana Legislature: MCA 28-2-708, Restraints upon legal proceedings void
  42. 42. Montana Legislature: MCA 27-2-202, Actions based on contract or other obligation
  43. 44. U.S. District Court for the District of Minnesota (GovInfo): Harmony East Condominium Association v. Falls Lake Fire and Casualty Company, No. 24-cv-2048, Order (December 19, 2024)

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