The dates worth protecting
- Notice. Policies require prompt notice of a loss; late notice is a common carrier defense.
- Proof of loss. If the carrier asks for a sworn proof of loss, many forms allow 60 days to return it. Flood policies have their own strict rules.
- Holdback. Replacement-cost policies often require repairs within a set period to collect recoverable depreciation.
- Suit. South Carolina contract claims generally carry a three-year limitation period, but policy terms and other rules can matter, and appraisal does not automatically stop the clock.
ImportantThe timeline uses only the numbers you enter. It isn’t legal advice. If a deadline is close, contact a South Carolina attorney.
Questions about this tool
What counts as the date of loss?
Usually the date the storm or event happened, not the day you noticed damage. Weather records for your address can help pin it down.
Does the .ics file send my data anywhere?
No. The file is created in your browser and saved straight to your device.
