In California the statute of limitations when suing your insurance company for policy benefits is the time specified in the policy. Most fire insurance policies provide for a one year statute of limitation. Suit must be filed within one year from the loss. The time to file is extended during the time your insurance company is investigating your claim.
Once the claim is denied you have 12 months from the date of denial to file a claim.
Your insurance company may be estopped to assert the statute of limitations contained in the policy where there have been representations that the policyholder relied on to delay filing suit.
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