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
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