The dates that matter
- Prompt notice. Policies require you to report losses promptly. Late notice is a common defense.
- Proof of loss. If the carrier asks for a sworn proof of loss, many policies allow 60 days to send it.
- Depreciation recovery. Replacement-cost policies often set a deadline for finishing repairs to collect the holdback.
- Suit limitation. Illinois policies commonly limit lawsuits to one or two years. Illinois law can pause that period in some situations while a claim is pending, but don’t rely on it without legal advice.
ImportantThis calendar uses the numbers you enter. It isn’t legal advice, and courts can read policy deadlines differently. If a deadline is close, talk to an Illinois attorney.
Questions about this tool
Is the date of loss the day I noticed the damage?
Usually it’s the date of the storm or event. Weather records for your address can help pin it down.
Does demanding appraisal pause the suit deadline?
Not automatically. Protect the deadline independently and get legal advice if it’s approaching.