How long do you have to file a homeowner’s property claim?

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How long do you have to file a homeowner’s property claim?

I have heard that by AZ state law you have 2 years to file a claim regardless of the outlines in the insurance policy. Is this true?

Asked on May 19, 2011 under Insurance Law, Arizona

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

The way that you have phrased the question makes me think that your contract of insurance - that is really what it is - states that the statute of limitations (which is the time frame within which you are obligated to file a claim or the claim is time barred under the law) is either more or less than the two years that you have stated.  The response to my question may have an effect on the outcome of yours.  But in fact you appear to be correct:  Arizona requires that an action involving "injury to personal property" be started within the two year statute of limitations.  Now, here is the conundrum:   the statute of limitations based upon a contract in Arizona is 6 years.  Please take your policy to someone to read on your behalf.  Good luck.


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