Notice of Claim Filing Deadlines - All 50 States + DC

Purpose: Quick reference for claim notice requirements, supplemental claim deadlines, and reopened claim rules Last Updated: August 2026 (verified against statute text)

Important Notes

Policy terms may be shorter - Always check policy language for notice requirements
"Prompt notice" is the most common standard - usually interpreted as reasonable under circumstances
Weather event dates - Only Florida defines the date of loss for weather events by statute; every other state uses the date of occurrence
Supplemental claims - Only Florida and North Dakota impose statutory supplemental/reopened claim bars; elsewhere policy terms govern
Always verify current policy language and state law

Verification: Every row in the master table was checked against primary statute text or the controlling appellate decision in August 2026. Where the official text could not be retrieved and the cell rests on a secondary source or reproduced copy, the Source column is marked "(not confirmed from text)". Only two states (Florida, North Dakota) have a statutory day-count deadline for the insured's notice; in all others the "Prompt (policy)" or "immediate written notice" standard comes from the policy form or the statutory standard fire policy. Cells marked "—" mean the verified findings did not state a rule.

Claim Notice vs. Statute of Limitations

Term	Definition
Notice of Claim	Deadline to report loss to insurer (days/months from loss)
Statute of Limitations	Deadline to file lawsuit (years from loss/denial)
Proof of Loss	Formal sworn statement deadline (usually 60 days from request)
Suit Limitation Clause	Policy provision shortening SOL (often 1-2 years)

Master Notice of Claim Table

State	Initial Claim Notice	Supplemental Claim	Reopened Claim	Weather Event Date Rule	Prejudice Rule	Key Authority	Source
Alabama	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	No prejudice required	Policy terms; no notice-prejudice rule (Pharr v. Continental Cas., 429 So.2d 1018 (Ala. 1983); Travelers Indem. v. Miller, 86 So.3d 338 (Ala. 2011))	www.alfainternational.com (not confirmed from text)
Alaska	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	AS 21.42 (insurance contracts, no notice deadline); notice-prejudice: Weaver Bros. v. Chappel, 684 P.2d 123 (Alaska 1984)	law.justia.com (not confirmed from text)
Arizona	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	ARS 20-1503 (standard fire policy, NY 1943 form); notice-prejudice: Lindus v. Northern Ins., 103 Ariz. 160 (1968)	www.azleg.gov
Arkansas	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	No prejudice required (if condition precedent)	A.C.A. 23-79 (no notice deadline); NO prejudice required if notice is a condition precedent: Fireman's Fund v. Care Mgmt., 2010 Ark. 110	law.justia.com (not confirmed from text)
California	Written notice 'without unnecessary delay' (Ins. Code 2071 std. fire policy); prompt notice per policy	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	Ins. Code 2071; notice-prejudice: Campbell v. Allstate, 60 Cal.2d 303 (1963)	leginfo.legislature.ca.gov
Colorado	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	No statutory deadline; C.R.S. 10-3-1104(1)(h) & 3 CCR 702-5 Reg. 5-1-14 govern insurer handling; notice-prejudice: Friedland v. Travelers, 105 P.3d 639 (Colo. 2005); Gregory v. Safeco (Colo. 2024) (first-party homeowners)	www.law.cornell.edu (not confirmed from text)
Connecticut	'Immediate written notice' (CGS 38a-307 std. fire policy); proof of loss 60 days	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	CGS 38a-307; notice-prejudice: Arrowood Indem. v. King, 304 Conn. 179 (2012)	www.cga.ct.gov
Delaware	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	18 Del. C. ch. 41 (Property Insurance Contracts) - no notice deadline; notice-prejudice: State Farm v. Johnson, 320 A.2d 345 (Del. 1974)	delcode.delaware.gov (not confirmed from text)
District of Columbia	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	No prejudice required	D.C. Code 31-2501.01 et seq. (Fire, Casualty & Marine Insurance) - no notice deadline; NO prejudice required: Greycoat Hanover v. Liberty Mut., 657 A.2d 764 (D.C. 1995)	code.dccouncil.gov (not confirmed from text)
Florida	1 year	18 months	1 year	Hurricane landfall date or NOAA verification of weather event	—	F.S. 627.70132 (as amended by SB 2-A, Dec. 16, 2022)	www.leg.state.fl.us
Georgia	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	No prejudice required (if condition precedent)	O.C.G.A. 33-32-1 / Ga. Comp. R. & Regs. 120-2-19-.01 (standard fire policy); NO prejudice required if notice is condition precedent: Forshee v. Employers Mut., 309 Ga. App. 621 (2011); Plantation Pipe Line v. Stonewall, 335 Ga. App. 302 (2015)	www.law.cornell.edu (not confirmed from text)
Hawaii	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	No prejudice required	HRS 431:10E (property insurance contracts) - no notice deadline; Standard Oil of Cal. v. Hawaiian Ins. & Guar., 65 Haw. 521 (1982)	www.capitol.hawaii.gov (not confirmed from text)
Idaho	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	No prejudice required	Idaho Code 41-2401 (standard fire policy, NY 1943 form); NO prejudice required: Viani v. Aetna, 95 Idaho 22 (1972)	legislature.idaho.gov (not confirmed from text)
Illinois	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Prejudice a factor, not required	215 ILCS 5/143 (policy form filing) & 5/397 (standard fire policy); prejudice is a factor, not required: Country Mut. v. Livorsi Marine, 222 Ill.2d 303 (2006)	www.ilga.gov
Indiana	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Prejudice presumed (rebuttable)	IC 27-1-13-7 (policy requirements; notice to agent = notice to insurer); rebuttable presumption of prejudice: Miller v. Dilts, 463 N.E.2d 257 (Ind. 1984)	law.justia.com (not confirmed from text)
Iowa	'Immediate written notice' (Iowa Code 515.109 std. fire policy); proof of loss 60 days	Policy terms	Policy terms	Date of occurrence	Prejudice presumed (rebuttable)	Iowa Code 515.109; presumed prejudice after unexcused delay: Henderson v. Hawkeye-Security, 252 Iowa 97 (1960)	www.legis.iowa.gov
Kansas	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	No statutory deadline (K.S.A. 40-2404 unfair claims practices); insurer must show substantial prejudice: National Union Fire v. FDIC, 264 Kan. 733 (1998)	ksrevisor.gov
Kentucky	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	Policy terms; KRS 304.12-230 / 806 KAR 12:095 (claims handling); notice-prejudice: Jones v. Bituminous Cas. Corp., 821 S.W.2d 798 (Ky. 1991)	apps.legislature.ky.gov (not confirmed from text)
Louisiana	Immediate written notice (standard fire policy)	Policy terms	Policy terms	Date of occurrence (no statutory landfall rule)	Notice-prejudice	La. R.S. 22:1311(F) (standard fire policy); R.S. 22:1892 governs insurer payment deadlines only	legis.la.gov
Maine	Immediate written notice (standard fire policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	24-A M.R.S. § 3002 (standard fire policy); notice-prejudice: Ouellette v. Maine Bonding & Cas. Co., 495 A.2d 1232 (Me. 1985)	legislature.maine.gov
Maryland	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice (§ 19-110, liability policies)	Policy terms; Md. Code, Ins. § 19-110 (actual-prejudice rule, liability policies); Sherwood Brands v. Great Am. Ins., 418 Md. 300 (2011)	www.mdcourts.gov (not confirmed from text)
Massachusetts	Immediate written notice (standard fire policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	M.G.L. c. 175 § 99 (standard fire policy); notice-prejudice: c. 175 § 112 (liability) and Johnson Controls v. Bowes, 381 Mass. 278 (1980)	malegislature.gov
Michigan	Policy notification requirements (MCL 500.2833(1)(l))	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	MCL 500.2833 (minimum fire policy provisions); notice-prejudice: Koski v. Allstate, 456 Mich. 439 (1998)	www.legislature.mi.gov
Minnesota	Immediate written notice (standard fire policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	Minn. Stat. § 65A.01 (standard fire policy; 60-day proof of loss; 2-yr suit limit); notice-prejudice: Reliance Ins. Co. v. St. Paul Ins. Cos., 307 Minn. 338 (1976)	www.revisor.mn.gov
Mississippi	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	Policy terms; notice-prejudice: Jackson v. State Farm Mut. Auto. Ins. Co., 880 So. 2d 336 (Miss. 2004)	www.courtlistener.com (not confirmed from text)
Missouri	Prompt (policy); 1943 NY standard form ('immediate written notice') required by 20 CSR 500-1.100	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	RSMo § 379.160 (policy must show address for notice within 60 days of loss; adjuster appearance waives notice); 20 CSR 500-1.100; notice-prejudice: Tresner v. State Farm, 913 S.W.2d 7 (Mo. 1995)	revisor.mo.gov (not confirmed from text)
Montana	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	Policy terms (MCA Title 33 ch. 24 has no standard fire policy or notice deadline); notice-prejudice: Atlantic Cas. Ins. Co. v. Greytak, 2015 MT 149	mca.legmt.gov
Nebraska	Immediate written notice (1943 NY standard fire policy adopted by statute)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	Neb. Rev. Stat. § 44-501 (adopts 1943 NY standard fire policy); notice-prejudice: Herman Bros. v. Great West Cas. Co., 255 Neb. 88 (1998)	nebraskalegislature.gov
Nevada	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	Policy terms; NRS 686A.310 (claims practices); notice-prejudice: Las Vegas Metro. Police Dep't v. Coregis Ins. Co., 127 Nev. 548, 256 P.3d 958 (2011)	www.leg.state.nv.us
New Hampshire	Immediate written notice (standard fire policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	RSA 407:22 (standard fire policy; 60-day proof of loss); notice-prejudice: Dover Mills P'ship v. Commercial Union Ins. Cos., 144 N.H. 336 (1999)	gc.nh.gov
New Jersey	Immediate written notice (standard fire policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	N.J.S.A. 17:36-5.20 (standard fire policy; 60-day proof of loss); N.J.A.C. 11:2-17 governs insurer claim handling only; notice-prejudice: Cooper v. Gov't Employees Ins. Co., 51 N.J. 86 (1968)	www.eagle-law.com (not confirmed from text)
New Mexico	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	Policy terms; NMSA 59A-16-20 (unfair claims practices); notice-prejudice: Roberts Oil Co. v. Transamerica Ins. Co., 113 N.M. 745, 833 P.2d 222 (1992)	www.courtlistener.com (not confirmed from text)
New York	Immediate written notice (standard fire policy)	Policy terms	Policy terms	Date of occurrence	No prejudice required (property)	N.Y. Ins. Law § 3404 (standard fire policy; 60-day proof of loss); § 3420(a)(5) prejudice rule applies to liability policies only; property: Security Mut. Ins. Co. v. Acker-Fitzsimons Corp., 31 N.Y.2d 436 (1972)	www.nysenate.gov
North Carolina	Immediate written notice (standard fire policy)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice	N.C.G.S. § 58-44-16(f) (standard fire policy; 60-day proof of loss); notice-prejudice: Great Am. Ins. Co. v. C.G. Tate Constr. Co., 303 N.C. 387 (1981)	www.ncleg.gov
North Dakota	Prompt (policy) - NY 1943 standard fire policy "immediate written notice" (NDCC 26.1-39-06)	12 months after insurer's last payment for that element of loss (NDCC 26.1-39-30)	1 year after date of loss (NDCC 26.1-39-30)	Date of occurrence	—	NDCC § 26.1-39-06 (standard fire policy); § 26.1-39-30 (supplemental/reopened claim notice)	ndlegis.gov
Ohio	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	—	OAC 3901-1-54	codes.ohio.gov
Oklahoma	Prompt (policy) - standard fire policy "immediate written notice"; proof of loss 60 days (36 O.S. § 4803)	Policy terms	Policy terms	Date of occurrence	—	36 O.S. § 4803 (standard fire policy); 36 O.S. § 1250.1 et seq. (Unfair Claims Settlement Practices Act)	oksenate.gov
Oregon	Prompt (policy) - "immediate written notice"; proof of loss 90 days after receiving forms (ORS 742.230)	Policy terms	Policy terms	Date of occurrence	—	ORS 742.230 (standard fire policy, ORS 742.200-742.246)	www.oregonlegislature.gov
Pennsylvania	Prompt (policy) - standard fire policy "immediate written notice"; proof of loss 60 days (40 P.S. § 636)	Policy terms	Policy terms	Date of occurrence	—	40 P.S. § 636 (Insurance Company Law of 1921 § 506, standard fire policy); 31 Pa. Code ch. 146	www.palegis.us (not confirmed from text)
Rhode Island	Prompt (policy) - 'immediate written notice'; proof of loss 60 days (§ 27-5-3)	Policy terms	Policy terms	Date of occurrence	—	R.I. Gen. Laws § 27-5-3 (standard fire policy)	webserver.rilegislature.gov
South Carolina	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	—	S.C. Code § 38-59-20 (improper claim practices); Vermont Mut. v. Singleton, 316 S.C. 5 (1994)	www.scstatehouse.gov (not confirmed from text)
South Dakota	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	—	SDCL § 58-33-67 (unfair claim practices); policy terms	sdlegislature.gov (not confirmed from text)
Tennessee	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	—	Tenn. Code Ann. Title 56, ch. 7 (policies); Alcazar v. Hayes, 982 S.W.2d 845 (Tenn. 1998)	www.courtlistener.com (not confirmed from text)
Texas	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	—	Tex. Ins. Code ch. 542, subch. B (§§ 542.055-.058, prompt payment); PAJ, Inc. v. Hanover Ins. Co., 243 S.W.3d 630 (Tex. 2008)	www.courtlistener.com (not confirmed from text)
Utah	Prompt (policy); late notice excused absent insurer prejudice (§ 31A-21-312)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice (statutory)	Utah Code § 31A-21-312 (notice and proof of loss; statutory notice-prejudice)	le.utah.gov
Vermont	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	—	8 V.S.A. § 4724(9) (unfair claim settlement practices)	legislature.vermont.gov
Virginia	Prompt (policy) - 'immediate written notice'; proof of loss 60 days (§ 38.2-2105)	Policy terms	Policy terms	Date of occurrence	—	Va. Code § 38.2-2105 (standard fire policy)	law.lis.virginia.gov
Washington	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	—	WAC 284-30-330 (unfair claims settlement practices)	app.leg.wa.gov
West Virginia	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	—	W. Va. Code § 33-17-2 (standard fire policy, NY 1943 form)	code.wvlegislature.gov
Wisconsin	Prompt (policy); notice within 1 year of policy deadline not fatal absent prejudice (§ 631.81)	Policy terms	Policy terms	Date of occurrence	Notice-prejudice (statutory)	Wis. Stat. § 631.81 (notice and proof of loss)	docs.legis.wisconsin.gov
Wyoming	Prompt (policy)	Policy terms	Policy terms	Date of occurrence	—	Wyo. Stat. § 26-15-101 et seq. (insurance contract); § 26-13-124 (unfair claim settlement practices)	wyoleg.gov (not confirmed from text)

Florida - Most Detailed Statutory Requirements

F.S. § 627.70132 - Notice of Property Insurance Claim (as amended by SB 2-A, Dec. 16, 2022)

Claim Type	Deadline	Measured From
Initial Claim	1 year	Date of loss
Reopened Claim	1 year	Date of loss
Supplemental Claim	18 months	Date of loss
Condo Assessment	Later of 1 year from loss or 90 days after assessment vote, capped at 3 years	Loss or assessment vote

Definitions (Florida)

Term	Definition
Reopened Claim	Previously closed claim reopened for additional costs on previously disclosed damage
Supplemental Claim	Claim for additional loss from same peril, or costs incurred during open claim repairs

Date of Loss for Weather Events (Florida)

For hurricane, tornado, windstorm, severe rain, or weather-related losses:

Date when hurricane made landfall, OR
Date NOAA verified the weather event

Special Rules (Florida)

Military Exception: Time limits suspended during deployment to combat zones
Condo Assessments: 1 year from loss OR 90 days after association votes assessment (whichever later), up to 3 years max

North Dakota - Statutory Supplemental/Reopened Bar

NDCC § 26.1-39-30 (S.L. 2019 ch. 232)

Claim Type	Deadline	Measured From
Initial Claim	Immediate written notice (1943 NY standard fire policy, NDCC § 26.1-39-06); no day count	Date of loss
Reopened Claim	1 year	Date of loss
Supplemental Claim	12 months	Insurer's last payment for that element of loss

Claims outside these windows are barred
Tolled for deployed service members
No statutory weather-event date rule; date of occurrence applies

Louisiana - Immediate Notice

La. R.S. 22:1311(F) - Standard Fire Policy

Immediate written notice of any loss required by the statutory standard fire policy
No specific day count - "immediate" interpreted reasonably
R.S. 22:1892 governs insurer duties only (initiate adjustment within 30 days of notice, 14 days for non-catastrophe; pay within 30 days of satisfactory proof of loss); it sets no policyholder deadline and no storm-landfall rule

States With Statutory Standard Fire Policy - "Immediate Written Notice"

These states have adopted the 1943 New York standard fire policy (or an equivalent) by statute. The statutory form requires the insured to give immediate written notice of any loss and, where shown, to render sworn proof of loss within the stated period unless the insurer extends it.

State	Statute	Proof of Loss
Connecticut	CGS § 38a-307	60 days
Iowa	Iowa Code § 515.109	60 days
Louisiana	La. R.S. 22:1311(F)	—
Maine	24-A M.R.S. § 3002	60 days
Massachusetts	M.G.L. c. 175 § 99	—
Minnesota	Minn. Stat. § 65A.01	60 days
Nebraska	Neb. Rev. Stat. § 44-501 (1943 NY form)	60 days
New Hampshire	RSA 407:22	60 days
New Jersey	N.J.S.A. 17:36-5.20	60 days
New York	N.Y. Ins. Law § 3404	60 days
North Carolina	N.C.G.S. § 58-44-16(f)	60 days
North Dakota	NDCC § 26.1-39-06 (1943 NY form)	—
Oklahoma	36 O.S. § 4803	60 days
Oregon	ORS 742.230	90 days after receiving forms
Pennsylvania	40 P.S. § 636	60 days
Rhode Island	R.I. Gen. Laws § 27-5-3	60 days
Virginia	Va. Code § 38.2-2105	60 days

Related forms: California (Ins. Code § 2071) requires written notice "without unnecessary delay" and 60-day proof of loss; Missouri mandates the 1943 form by regulation (20 CSR 500-1.100); Arizona (ARS § 20-1503), Idaho (§ 41-2401), and West Virginia (§ 33-17-2) also adopt the NY 1943 form. Michigan repealed its standard fire policy (MCL 500.2832) effective 1992; MCL 500.2833(1)(l) now only requires the policy to state its notification requirements.

Prompt Notice Standard (Most States)

What Constitutes "Prompt" Notice

Courts generally interpret "prompt" or "immediate" notice as:

As soon as reasonably practicable under the circumstances
Within a reasonable time after discovery of loss
Without unreasonable delay

Factors Courts Consider

Severity of loss - Major losses may justify slight delay
Insured's condition - Injury/illness may excuse delay
Type of loss - Hidden damage discovered later
Insured's knowledge - When damage was/should have been discovered
Prejudice to insurer - Did delay harm investigation ability

Typical "Prompt" Interpretations

Circumstance	Generally Acceptable	Potentially Late
Major disaster	30-60 days	90+ days without excuse
Standard loss	7-14 days	30+ days without excuse
Hidden damage	From discovery	Long delay after discovery
Injury prevents reporting	Until able	After recovery with delay

Statutory Notice-Prejudice Rules

State	Statute	Rule
Utah	Utah Code § 31A-21-312	Late notice/proof does not bar recovery unless insurer shows prejudice; excused if not reasonably possible and given ASAP
Wisconsin	Wis. Stat. § 631.81(1)	Notice within 1 year after policy deadline does not invalidate claim unless insurer prejudiced and compliance was reasonably possible
Maryland	Md. Code, Ins. § 19-110	Insurer must prove actual prejudice (liability policies by its terms)
New York	N.Y. Ins. Law § 3420(a)(5)	Prejudice rule applies to liability policies only; first-party property late notice can bar coverage without prejudice

Policy Language Examples

Standard HO-3 Language

"In case of a loss to covered property, you must...give us prompt notice of the loss."

ISO Property Form Language

"You must see that the following are done in the event of loss or damage to Covered Property: (a) Notify the police if a law may have been broken. (b) Give us prompt notice of the loss or damage..."

Common Deadlines in Policy Language

Policy Type	Typical Notice Requirement
HO-3	Prompt notice
DP-3	Prompt notice
Commercial Property	As soon as practicable
Inland Marine	Immediate notice
NFIP	60 days

NFIP (National Flood Insurance Program)

60-Day Proof of Loss Requirement

Requirement	Deadline
Notice of loss	As soon as practicable
Proof of loss	60 days from date of loss
Extension	Available upon request

NFIP Special Rules

POL is condition precedent to recovery
Extensions must be requested in writing
Late POL may be excused for good cause
Building and contents are separate claims

Citizens (Florida) Notice Requirements

Citizens Property Insurance Corporation

Claim Type	Notice Deadline	Statute
Initial claim	1 year from loss	F.S. § 627.70132
Supplemental	18 months from loss	F.S. § 627.70132
Reopened	1 year from loss	F.S. § 627.70132

Consequences of Late Notice

Complete Denial Available When:

Policy makes timely notice condition precedent
Insurer can show actual prejudice from delay (in notice-prejudice states)
Delay was unreasonable under circumstances
No excuse for delay (injury, hidden damage, etc.)

Late Notice May Be Excused When:

Insured had reasonable excuse (injury, disaster chaos)
Damage was hidden and discovered later
Insurer not prejudiced by delay
Insurer waived notice requirement through conduct (e.g., Missouri: adjuster's appearance deems notice given and waives it, RSMo § 379.160)

States Requiring Prejudice for Denial

See the Prejudice Rule column in the master table. Notice-prejudice states require the insurer to show actual prejudice, such as:

Evidence could no longer be gathered
Witnesses no longer available
Property repaired/altered
Subrogation rights impaired

States Not Requiring Prejudice (Forfeiture Rule)

Alabama, Arkansas (where notice is a condition precedent), District of Columbia, Georgia (where notice is a condition precedent), Hawaii, Idaho, and New York (first-party property). Indiana and Iowa presume prejudice from unexcused late notice, subject to rebuttal by the insured. Illinois treats prejudice as one factor in a reasonableness test.

Supplemental Claim Rules

What Triggers a Supplemental Claim

Additional damage from same peril discovered
Additional costs incurred during repairs
Hidden damage revealed during restoration
Price increases affecting repair costs

Statutory Supplemental vs. Reopened Bars

State	Type	Definition	Deadline
Florida	Supplemental	Additional damage/costs during open claim	18 months from loss
Florida	Reopened	Previously closed claim, additional costs for disclosed damage	1 year from loss
North Dakota	Supplemental	Additional amount for an element of loss already paid	12 months from insurer's last payment
North Dakota	Reopened	Previously closed claim	1 year from loss
All other states	Either	Per policy	Policy terms

Weather Event Date Determination

When Is the "Date of Loss"?

State	Rule	Authority
Florida	Hurricane landfall date OR NOAA verification of weather event	F.S. § 627.70132
Texas	Date property damage occurred	Policy terms
All other states (incl. Louisiana)	Date damage occurred	Policy terms; no statutory landfall rule

Multi-Day Events

For extended weather events (multi-day hurricanes, prolonged storms):

Policy language controls whether the first date or last date of damage is used
Florida uses landfall date or NOAA verification

Best Practices for Claim Notice

Immediate Steps After Loss

Document damage - Photos/video before any repairs
Notify insurer - Call AND follow up in writing
Get claim number - Document who you spoke with
Send written notice - Certified mail, return receipt
Note the date - Keep record of all communications

Written Notice Should Include

Policy number
Date of loss
Brief description of damage
Location of damaged property
Contact information
Request for claim forms

Timeline Tracking

Action	Do This
Initial notice	Within 24-48 hours if possible
Written confirmation	Within 7 days
Proof of loss	When requested (usually 60 days)
Supplemental claim	As soon as additional damage discovered

Key Statutes & Cases

State	Authority	Rule
FL	F.S. § 627.70132	1 year initial/reopened; 18 months supplemental; landfall/NOAA date of loss
ND	NDCC § 26.1-39-30	Reopened barred after 1 year from loss; supplemental barred 12 months after last payment
LA	La. R.S. 22:1311(F)	Immediate written notice (standard fire policy)
NY	N.Y. Ins. Law § 3404; Security Mut. v. Acker-Fitzsimons, 31 N.Y.2d 436 (1972)	Immediate written notice; no prejudice required for property claims
TX	Tex. Ins. Code ch. 542 subch. B; PAJ, Inc. v. Hanover, 243 S.W.3d 630 (Tex. 2008)	Prompt notice per policy; ch. 542 sets insurer deadlines only
CA	Ins. Code § 2071; Campbell v. Allstate, 60 Cal.2d 303 (1963)	Written notice without unnecessary delay; insurer must show substantial prejudice
UT	Utah Code § 31A-21-312	Statutory notice-prejudice rule
WI	Wis. Stat. § 631.81	Statutory notice-prejudice rule (1-year grace)

Disclaimer: This table is for reference only. Notice requirements vary by policy language and may change. Always review your specific policy terms and verify current law.

Last Updated: August 2026 (verified against statute text)

Sources

Primary statute text and controlling appellate decisions linked in the Source column of the master table
Standard policy forms (ISO, AAIS); 1943 New York standard fire policy as adopted by state statute
F.S. § 627.70132 (Florida)
NDCC §§ 26.1-39-06, 26.1-39-30 (North Dakota)
La. R.S. 22:1311, 22:1892 (Louisiana)