Property Deadlines

This is a list of first-party property statute of limitations. Adjusters should be aware of their state’s particular statute of limitation and if the insurer should notify an insured of the upcoming deadline to file suit. While it may seem counter-intuitive, it is a good practice to let the insured know of the upcoming deadline regardless if there is a regulation or statute dictating the same. The reason is transparency. You want the insured to trust you. I know that many companies, if the state remains silent on the issue, will not want the insured to know of the statute of limitation deadline. They worry about an increased slew of litigation. If the companies settle fairly, timely, and equitably, then there should be nothing to worry about.

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
Alabama	6 years	AL Code § 6-2-30 et seq.
Alaska	6 years (real property); 2 years (personal property)	AK Stat. § 09.10.010 et seq.
Arizona	2 years	AZ Rev. Stat. Ann. § 12-541 et seq.
Arkansas	3 years	ARCode Ann. § 16-56-101 et seq.
California	3 years	CA Civ. Proc. Code § 312 et seq.
California		California has stayed the statutes of limitation for all civil causes of action from April 6, 2020, to 90 days after the Governor lifts the state of emergency related to the COVID-19 pandemic. The order was lifted on January 25, 2021; the stay will end on April 25, 2021.
Colorado	2 years	CO Rev. Stat. § 13-80-101 et seq.
Connecticut	2 years	CT Gen. Stat. Ann. § 52-575 et seq.
Delaware	2 years	DE Code Ann. tit. 10, § 8101 et seq.
District of Columbia	3 years	D.C. Code § 12-301 et seq.
Florida		Senate Bill 76, if passed and signed into law, would limit the statute to two years.
Florida	4 years	FL Stat. Ann. § 95.011 et seq.
Georgia	4 years	GA Code Ann. § 9-3-20 et seq.
Hawaii	2 years	HI Rev. Stat. § 657-1 et seq.
Idaho	3 years	ID Code § 5-201 et seq.
Illinois	5 years	735IL Comp. Stat. 5/13-201 et seq.
Indiana	6 (real property); 2 (personal property)	IN Code Ann. § 34-11-2-1 et seq.
Iowa	5 years	IA Code Ann. § 614.1 et seq.
Kansas		The KS Supreme Court has suspended the application of the statute during the COVID-19 pandemic by way of its Administrative Order. This became effective on March 19, 2020.
Kansas	2 years	KS Stat. Ann. § 60-501 et seq.
Kentucky	5 (real property); 3 (personal property)	KY Rev. Stat. Ann. § 413.080 et seq.
Louisiana	1 year	LA civil code § 3492 et seq.
Maine	6 years	ME Rev. Stat. Ann. tit. 14, § 751 et seq.
Maryland	3 years	MD Courts & Jud. Proc. Code Ann. §5-101 et seq.
Massachusetts	3 years	MA Ann. Laws ch. 260, § 1 et seq.
Michigan	3 years	MI Comp. Laws § 600.5801 et seq.
Minnesota	6 years	MN Stat. Ann. § 541.01 et seq.
Mississippi	3 years	MS Code. Ann. § 15-1-1 et seq.
Missouri	5 years	MO Rev. Stat. § 516.097 et seq.
Montana	2 years	MT Code Ann. § 27-2-202 et seq.
Nebraska	4 years	NE Rev. Stat. § 25-201 et seq.
Nevada	3 years	NV Rev. Stat. Ann. § 11.010 et seq.
New Hampshire	3 years	NH Rev. Stat. Ann. § 508:1 et seq.
New Jersey	6 years	NJ Stat. Ann. § 2a:14-1 et seq.
New Mexico	4 years	NM Stat. Ann. § 37-1-1 et seq.
New York	3 years	NY Civ. Prac. Laws & Rules § 201 et seq.
North Carolina	3 years	NC Gen. Stat. § 1-46 et seq.
North Dakota	6 years	ND Cent. Code § 28-01-01 et seq.
Ohio	2 years	OH Rev. Code Ann. § 2305.03 et seq.
Oklahoma	2 years	OK Stat. Ann. tit. 12, § 91 et seq.
Oregon	6 years	OR Rev. Stat. § 12.010 et seq.
Pennsylvania	2 years	42 PA Cons. Stat. Ann. § 5501 et seq.
Rhode Island	10 years	RI Gen. Laws § 9-1-12 et seq.
South Carolina	3 years	SC Code Ann. § 15-3-510 et seq.
South Dakota	6 years	SD Codified Laws Ann. § 15-2-1 et seq.
Tennessee	3 years	TN Code Ann. § 28-3-101 et seq.
Texas		§16.001 et seq., Tex. Bus. & Com. Code Ann. § 2.725
Texas	2 years	TX Civ. Prac. & Rem. Code
Utah	3 years	UT Code Ann. § 78B-2-101 et seq.
Vermont	3 years	VT Stat. Ann. tit. 12, § 461 et seq.
Virginia	5 years	VA Code Ann. § 8.01-228 et seq.
Washington	3 years	WA Rev. Code Ann. § 4.16.005 et seq.
West Virginia	2 years	WV Code § 55-2-1 et seq.
Wisconsin	6 years	WI Stat. Ann. § 893.01 et seq.
Wyoming	4 years	WY Stat. § 1-3-102 et seq.