In Alabama, the deadline to file a property insurance claim is set by the terms of your insurance policy.
Some states, like Florida, have passed statutes that set strict deadlines for filing property insurance claims (for example, one year from the date of loss). Alabama is not one of those states, so the deadline to file a claim in Alabama is determined by your insurance policy, not by statute.
Many insurance policies require you to make a claim promptly after you discover the loss to your home or business. What counts as a “prompt” depends on the circumstances of your loss, but it’s in your best interest to file a claim as soon as you know that your losses will exceed your deductible. The longer you wait to file your claim, the longer it will take to resolve your claim. Waiting too long to file your claim could also cause important evidence relevant to your claim to deteriorate.