Liability Timelines

This is a list of third-party property statute of limitations. Adjusters should be aware of their state’s particular statute of limitation and if the insurer should notify a claimant of the upcoming deadline to file suit. 

 

This chart is current as of the date I wrote it, but adjusters should be familiar with their state’s rules. I cannot guarantee the accuracy of the list. Because laws and regulations can change without notice, an attorney should be contacted if there are any questions regarding this chart. These materials are provided for informational and educational purposes only and do not constitute legal advice or legal opinions because I am not an attorney.

State
Time
Statute
Alaska
2 years
AK Stat. § 9.10.070
Alabama
2 years
AL Code § 6-2-38
Arizona
2 years
AZ Rev. Stat. § 12-542
Arkansas
3 years
AR Stat. § 16-114-203
California
2 years
CA Code of Civ. Proc. § 335.1
Colorado
2 years
CO Rev. Stat. § 13-80-102
Connecticut
2 years
CT Gen. State. § 52-584
Delaware
2 years
DE Code Title 10, § 8119
District of Columbia
3 years
D.C. Code § 12-301
Florida
4 years
FL Stat. § 95.11
Georgia
2 years
GA Code § 9-3-33
Hawaii
2 years
HI Rev. Stat. § 657.7
Idaho
2 years
ID Code § 5-219
Illinois
2 years
IL State. Ch. 735, Art. 5, § 13-202
Indiana
2 years
IN Code § 34-11-2-4
Iowa
2 years
IA Code §. 614.1
Kansas
2 years
KS Stat. § 60-513
Kentucky
1 year
KY Rev. Stat. § 413.140
Louisiana
1 year
LA Civ. Code Art. 3492
Maine
6 years
ME Rev. Stat. Title 14, Ch. 205, §752
Maryland
3 years
MD Code § 5-101
Massachusetts
3 years
MA Gen. Laws, Art. 260, § 2A, 4
Michigan
3 years
MI Comp Laws Sec. 600.5805(9)
Minnesota
2 years
MN Stat. § 541.05, 541.07
Mississippi
3 years
MS Code § 15-1-49
Missouri
5 years
MO Stat. Title 35, § 516.120
Montana
3 years
MT Code § 27-2-204, 27-2-207
Nebraska
4 years
NB Rev. Stat. § 25-207
Nevada
2 years
NV Rev. Stat. § 11.190
New Hampshire
3 years
NH Rev. State. § 508.4
New Jersey
2 years
NJ Stat. § 2A:14-2
New Mexico
3 years
NM Stat. § 37-1-8
New York
3 years
NY Civ. Prac. R. § 214
North Carolina
3 years
NC Gen. Stat. § 1-52
North Dakota
6 years
ND Cent. Code § 28-01-16, 28-01-18
Ohio
2 years
OH Rev. Code § 2305.10
Oklahoma
2 years
OK Stat. Title 12, § 95
Oregon
2 years
OR Rev. Stat. § 12.110
Pennsylvania
2 years
42 PA Con. Stat. § 5524
Rhode Island
3 years
RI Gen. Laws § 9-1-14
South Carolina
3 years
SC Code § 15-3-530
South Dakota
3 years
SD Comp. Laws § 15-2-14
Tennessee
1 year
TN Code § 28-3-104
Texas
2 years
TX Civ. Prac. & Rem. Code § 16.003
Utah
4 years
UT Code § 78-12-25
Vermont
3 years
VT Stat. Ann. Title 12, § 512
Virginia
2 years
VA Code § 8.01-243
Washington
3 years
WA Rev. Code § 4.16.080
West Virginia
2 years
WV Code § 55-2-12
Wisconsin
3 years
WI Stat. § 893.54
Wyoming
4 years
WY Stat. § 1-3-105