The dates that matter
- Notice — policies require prompt notice. Treat it as days, not weeks.
- Mitigation — reasonable temporary repairs protect the property and the claim.
- Proof of loss — if requested, a sworn statement is usually due within a set number of days of the request.
- Depreciation recovery — replacement-cost policies set a window to finish repairs and claim the holdback.
- Time to sue — Maryland’s general contract limitations period is three years, and Maryland law generally doesn’t let property policies shorten it, but when the clock starts can be disputed. Ask a Maryland attorney.
Appraisal doesn’t pause the clock by itself
Unless your policy or a written agreement says otherwise, invoking appraisal doesn’t necessarily stop other deadlines from running. Keep them on the calendar.
PrivacyThe calendar file is generated on your device. Nothing you enter is sent to us.
Questions about this tool
Do these defaults apply to my policy?
They are common figures only. Your policy, endorsements and the insurer’s letters control. Change any value to match.
What if a date has already passed?
The planner flags past dates. Don’t assume the right is lost — speak with a Maryland attorney about your options.