State legal field guides for property claims.
Statutory clocks, prompt-payment penalties, bad-faith posture, and suit limitations, one state at a time. Each guide names the code sections and the traps that close files early.
The library grows week by week. For the state-by-state view, start at the state deadline library.
State legal
Massachusetts Bad Faith: The 93A Demand Letter Does Nothing on a Commercial File
Chapter 176D § 3(9) sets no day counts. The only fixed period in the Massachusetts scheme is the thirty days that follow a c. 93A § 9(3) demand letter, and a business insured suing under § 11 never gets it.
4 min read
State legal
State Farm's Hail Playbook Is Now Public Record in Oklahoma
A Comanche County judge unsealed 31 internal State Farm documents on August 20, 2026. What they say about roof-approval targets, and what Oklahoma homeowners with denied claims should check first.
9 min read
State legal
California's 60% Contents Advance: When the New Rule Pays Less
SB 495 raised California's emergency contents advance to 60 percent of the personal property limit. Because the base moved from Coverage A to Coverage C, the advance is smaller wherever contents coverage is under half the dwelling limit.
4 min read
State legal
Colorado Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide
Colorado runs six overlapping property-claim deadlines, from Regulation 5-1-14's 60-day carrier clock to the 2024 Gregory/Runkel notice ruling. A public adjuster's field guide to all six.
9 min read
State legal
North Carolina's Helene Files All Expire in September 2027
North Carolina gives Helene policyholders three years from the date of loss to sue, not the shorter period printed in the policy, and no carrier reopen resets it.
4 min read
State legal
Georgia Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide
A field guide to Georgia's property-claim deadlines: what the state makes carriers do, when a bad-faith demand unlocks penalties under O.C.G.A. § 33-4-6, and the policy suit-limit that quietly bars claims.
7 min read
State legal
Florida Hurricane Claim Deadlines After Milton: The One Clock Still Running
Florida gives supplemental claims 18 months and reopened claims only 12, and the split turns on whether the carrier's file was open. With every 2024 storm window now shut, what is left is the five-year contract clock and a new Fourth DCA ruling on carrier delay.
9 min read
State legal
Louisiana Hurricane Claim Deadlines: The 60-Day Cure Notice and the Two-Year Window
Since July 1, 2024, Louisiana hurricane claims run on R.S. 22:1892.2, not the 30-day track most deadline guides still publish. The clocks, the mandatory cure period notice, and the clause that suspends prescription.
8 min read
State legal
New York Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide
In New York the deadline that ends a property claim is not a prompt-pay statute — it is the standard fire policy's 24-month suit limit, running from the date of loss.
7 min read
State legal
California Bad-Faith Insurance Claims: What the 2025 Rulings Mean for Your Files in 2026
Three 2025 appellate decisions reshaped California bad-faith exposure for carriers — and the evidence standard for public adjusters working smoke, fire, and title claims. Here's what changed and when your SOL clock runs out.
7 min read
State legal
Florida Property Insurance Claim Deadlines and Bad-Faith Protections: 2026 Field Guide
A working calendar for Florida property losses after SB 2-A and HB 837: the one-year notice rule, the 7/30/60 carrier deadlines, § 627.70152 pre-suit notice, and how the bad-faith landscape changed.
8 min read