Date of loss

Most NC homeowner policies require “prompt notice” of a loss, which carriers interpret as 30 to 60 days from the date of loss. NC also has a one-year contractual filing window in many policies and a three-year statute of limitations for breach-of-contract suits. Practical advice: file inside 30 days when you can. Granule wash from the next rain blurs the evidence, and adjusters get skeptical of older damage.

If you are not sure exactly when the storm hit — hail damage often goes unnoticed for weeks — we can pull NOAA storm reports for your zip and date the loss for you. The carrier wants a specific calendar date on the claim form, and “sometime in May” is not enough. Storm-event verification is part of every claim packet we put together for homeowners.