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
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.