How to use the timeline builder
Enter the date of loss. If appraisal has already been demanded, enter that date too. The tool builds a list of milestones, each with a default window you can change to match your policy. When it looks right, export it as a .ics file and open it in Google Calendar, Outlook or Apple Calendar so the reminders come to you.
What the milestones are
- Report the claim: a target date for notifying the insurer. Most policies require prompt notice, so sooner is better.
- Temporary repairs: tarping, board-up and water extraction to prevent further damage, with receipts kept.
- Proof of loss: many policies require a sworn proof of loss within a set number of days after the insurer asks for it.
- Replacement cost or holdback notice: the window to complete repairs or tell the insurer you intend to claim the depreciation holdback.
- Suit limitation date: a placeholder you fill in from your policy.
If you enter a demand date, two more items appear: name your appraiser (many policies allow 20 days after the demand) and umpire selection (commonly 15 days after the appraisers are named).
The math in plain words
Each milestone is the start date plus the number of days in its window. Change a window and every date tied to it moves. Nothing else is calculated, and the tool cannot read your policy for you.
What the result does and doesn’t mean
These are planning defaults, not deadlines that bind you or your insurer. Policies differ, carriers send letters that start their own clocks, and some deadlines run from the insurer’s request rather than the date of loss. The timeline is not legal advice.
Kentucky context
After widespread events such as ice storms or tornado outbreaks, adjusters and contractors fall behind and claims stretch for months. That is exactly when a window quietly closes. Our Kentucky appraisal process guide explains each appraisal step in order, and the appraisal readiness checkup helps you confirm your file is in shape before you demand.
Questions about the claim timeline builder
Are these dates my actual legal deadlines?
No. They are editable planning defaults. Your policy, letters from your insurer and Kentucky law control the real deadlines, so check them and speak with a Kentucky attorney about suit limitation.
How long do I have to name an appraiser?
Many policies allow about 20 days after the written demand, but the wording varies. Read your appraisal clause and adjust the window in the tool to match it.
Does the calendar export upload my dates anywhere?
No. The .ics file is created in your browser and saved straight to your device. Nothing is stored or sent to us.