Insurance polices and carriers differ. A person would need to contact their insurance company to see how long they have to file a claim. In Oregon, a person has up to 10 years to file a personal injury lawsuit in court for a car accident.
Typically you have 30 days to file.
Within 24hrs
You must do this right away.
You have 10 days to file a claim with your insurance company.
the ''CAN'' if it's been too long, most don't file it NOW !!!
You can file a claim up to a year after your accident. It is best to do it right away and not wait as this can weaken your claim and cause other issues.
You will have to check your home owner's policy. It is a contract that you have with the insurance company and will specify how long you have to file a claim.
One would think that a claim should be filed as soon as possible - why someone would deliberately wait for weeks and weeks to file the claim creates questions about the validity of such claims.
What type of claim? Damage or injury?
It is wise to file your claim ASAP. However, there is a statute of limitations which varies from state to state, depending on the type of claim you have, property damage, personal injuries or both. It usually is between 2 to 3 years.
I really feel this has a lot to do with the state you live in and which insurance company you have. If you live in New York, I believe you have 24 hours to make a claim.