In general, it is best to file insurance claims as close to the date of the incident as possible for a few different reasons. For starters, the closer to the incident the better the recall, the more accurate the damage, and the quicker the policy can pay out. For those in the Greenwood Lake, NY area the agents with Windermere Insurance can help to answer any questions you might have.
In most cases, insurance companies do not have a specific time limit on when you can file a claim. Though there is no technical limit, you should still work to file your claim as quickly and timely as possible. The further from the time that the qualifying event occurs or the harder it is to prove the damage, the more likely it is that your home insurance will reject the claim.
With any claim, it is important that you take the time to quickly and efficiently file in the hopes of having your claim approved and paid out quickly. You are also going to want to make sure if you are filing a late claim that you follow every single possible step that is outlined in your policy to insure that the claim is not rejected.
In most cases, a late claim is not the end of the world and filing a claim six or seven months after the fact is not going to lead to an immediate rejection by your insurance company. Waiting a year or more can however severely damage your chances at getting an adequate pay out. If you live in the Greenwood Lake, NY area the agents with Windermere Insurance can help you to find out what a timely claim is and how to file on time.