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Prior to the new law change that took effect on December 16, 2022, policyholders had specific deadlines to report claims to their insurance company. For new or reopened claims, policyholders had up to two years after the date of the loss to report it to their insurer. For supplemental claims, policyholders had up to three years after the date of the loss to file a claim.

However, as of December 16, 2022, SB 2-A changed the claim filing deadlines for policyholders. The new law reduces the time limits for policyholders to report a claim. For new or reopened claims, policyholders now have only one year after the date of the loss to report it to their insurer. For supplemental claims, policyholders now have 18 months after the date of the loss to file a claim. These changes mean that policyholders have less time to report their claims, so it's important to act quickly if you experience a loss covered by your insurance policy.