The dates worth protecting
- Notice. Policies ask for prompt notice of a loss. Reporting quickly avoids a common dispute.
- Proof of loss. If your insurer asks for a sworn proof of loss, the policy usually sets a period to return it.
- Depreciation recovery. Replacement-cost policies often set a window to finish repairs and claim the holdback.
- Suit limitation. Your policy’s “Suit Against Us” clause limits how long you have to sue. Appraisal doesn’t automatically pause it.
The Wisconsin winter twist
Snow cover hides roof and siding damage, and ice dams often reveal interior leaks weeks after a cold snap. Tick the spring-thaw box to add a reminder to re-inspect once the snow is gone, so late-appearing damage can be reported promptly.
ImportantThe planner only uses the numbers you type in. It isn’t legal advice, and Wisconsin law and court decisions can affect how policy deadlines apply. If a deadline is close, talk to a Wisconsin attorney.
Questions about this calculator
Is the date of loss the day I noticed the damage?
Usually it’s the day the storm or event happened. Weather records for your address can help pin it down.
Does demanding appraisal stop the suit deadline?
Not automatically. Protect the date on its own unless you have a written agreement that extends it.
What does the .ics file work with?
Google Calendar, Apple Calendar, Outlook and most other calendar apps can import it.