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How Long do I Have to Sue?

I am frequently asked when the statute of limitations in expires on property insurance claims in Texas. Here is the short answer:

  1. The statute of limitations for Breach of Contract in Texas is 4 years. But, the property insurance policy usually has a provision which reads: “No one may bring legal action against us under this policy unless…the action is brought within two years and one day after the date on which the direct physical loss or damage occurred.”

This 2 year limitations provision was found to be void in the case Spicewood Summit Office Condominiums Ass’n v. America First Lloyds, 287 S.W.3d 461 (Tex. App.-2009, writ ref’d). The Court held that the 4 year limitations applies.

BUT some policies also have what is known as a “savings clause” which states that if a limitations provision is invalid, the insured must bring suit within the shortest amount of time permitted by law.

There is a split among Texas courts as to whether the savings clause applies.

BOTTOM LINE: It is always best to file suit as soon as possible after you feel the insurance policy has been breached. But even if it has been more than two years but less than 4 years since the loss occurred, you probably still have the chance to file suit.

  1. The Statute of Limitations on Bad Faith (Texas Insurance Code 541) is two years from the date of the deceptive act or practice. An insured may get an additional 180 days if the insured can show that he was induced to refrain from bringing suit by the insurer.
  2. The Statute of Limitations under the Deceptive Trade Practices Act is also 2 years from the date of the deceptive practice or act.

Of course it is always best to investigate the claim and file suit as quickly as possible. If you have a specific question about the Statute of Limitations in Texas as relates to property insurance claims, contact my office at Hoch Law Firm at 1-800-828-5160 and let’s talk.

Client Reviews
Tim represented us in a dispute with our insurance company over roof damage due to a hail storm in the Dallas area. We were very disheartened by the constant denials and dishonest treatment we were receiving from the insurance carrier, and Tim counseled us to remain patient while he systematically put together expert opinions and facts that supported our claim. Eventually we were able to settle our case and had the roof replaced on our apartment building just two months before the big tornado hit in late 2015. Our investment property was the only one in the area that did not sustain any roof damage! We were lucky with our timing, but we were even more fortunate to have Tim on our side. We highly recommend Tim's firm! Allan and Marian Goodman
In short order, he was able to quickly understand and master the details of our case and map out a very cost-effective, efficient legal strategy. After a series of quick wins in court, our opponent came to the table with a highly satisfactory settlement. Mr. Hoch’s ability to effectively tell a persuasive story within the confines of a courtroom is without equal. Anthony Page
Tim’s knowledge and insight regarding not just the law, but business and human nature in general was greatly appreciated and relied upon as we navigated through a difficult situation. Tim has my utmost admiration and respect both on a personal and professional basis. Phillip A. Reinsch
We use Tim Hoch to handle complex business litigation matters on a variety of topics. He combines a strategic, no-frills approach with a bottom-line mindset. He is extremely responsive, organized and thorough. We would gladly recommend his services. Richard Warren, CEO