Dates worth tracking
- Notice. Policies require prompt notice of a loss. Report as soon as you reasonably can.
- Mitigation. Reasonable temporary repairs protect the property and the claim.
- Proof of loss. If the insurer requests a sworn proof of loss, many policies set a deadline, often 60 days from the request.
- Depreciation recovery. Replacement cost policies typically require repairs within a set period to collect holdback.
- Suit limitation. Utah law generally allows three years from the inception of the loss to sue on a first-party property policy. Appraisal doesn’t automatically pause that clock.
ImportantThe planner uses the numbers you enter and isn’t legal advice. Courts can interpret deadlines differently. If a date is close, talk to a Utah attorney.
Questions about this calculator
What date should I use as the date of loss?
Usually the date of the storm or event, not the day you noticed the damage. Weather records for your address can help.
Will the .ics file work with my calendar?
Yes. It’s a standard calendar file that Google Calendar, Outlook and Apple Calendar can import.