What is the time limit to sue the insurer after a loss, assuming policy terms are met?

What is the time limit to sue the insurer after a loss, assuming policy terms are met?

• A. 1 year
• B. 2 years
• C. 3 years
• D. 4 years

Answer: (B)

Two years. In Texas, the window to sue an insurer for breach of an insurance policy after a loss (assuming the policy terms have been met, including proper notice and proof of loss) is two years. The clock typically starts when the loss occurs or when the insurer breaches by denying or refusing to pay after a proper claim submission. This two-year period is used specifically for insurance claim disputes and is shorter than the general four-year limit that applies to many written contracts. So, the insured must initiate suit within two years of the loss or of denial/breach to avoid the claim becoming time-barred.

Two years. In Texas, the window to sue an insurer for breach of an insurance policy after a loss (assuming the policy terms have been met, including proper notice and proof of loss) is two years. The clock typically starts when the loss occurs or when the insurer breaches by denying or refusing to pay after a proper claim submission. This two-year period is used specifically for insurance claim disputes and is shorter than the general four-year limit that applies to many written contracts. So, the insured must initiate suit within two years of the loss or of denial/breach to avoid the claim becoming time-barred.