This answer may surprise you – in most cases with property and causality insurance (which includes auto insurance and home insurance) it’s actually technically almost never too late to file an insurance claim.
First off, we’d like to make one thing very clear: we strongly recommend that whenever possible you file a claim – or at the very least contact your insurance company – as soon as possible after an incident. There is almost no “downside” to quickly filing a claim, whether you’ve been in a car accident, have suffered damage to your home, or have had some other mishap.
