Milestones worth tracking
- Notice. Policies require prompt notice. Late notice is a common carrier defense.
- Temporary repairs. Mitigation protects the property and the claim; keep receipts.
- Proof of loss. If the insurer asks for a sworn proof of loss, the policy sets a response window — often counted from the request.
- Depreciation recovery. Replacement-cost holdback usually requires repairs within a set time.
- Suit limitation. Policies contain a “Suit Against Us” clause. How New Mexico law treats that period is a legal question for a New Mexico attorney.
Not legal adviceThe calendar uses the numbers you enter. It doesn’t interpret your policy or New Mexico law, and invoking appraisal doesn’t automatically pause any deadline.
Questions about this estimator
Which date is the date of loss?
Usually the day the storm, fire or leak happened, not the day you noticed it. Weather records can help pin down a hail date.
Does the .ics file work with my phone?
Yes. Google Calendar, Apple Calendar and Outlook all import .ics files as all-day events.
Is anything I type saved or sent?
No. The tool runs entirely in your browser. Close the page and the numbers are gone.