Guides / State recognition and filing deadlines
State recognition and filing deadlines
Why Georgia is the flagship state for DV claims, what 'moderate' and 'restrictive' mean, and how the deadline countdown works.
Diminished value recognition is state-by-state. Georgia is the most favorable: O.C.G.A. § 51-1-6 entitles a property owner to the full loss caused by another's negligence, Mabry confirmed DV is part of that loss, and O.C.G.A. § 33-4-6 gives policyholders leverage against bad-faith claim handling (confirm the current statutory text — it changes). Texas, North Carolina, Washington and Illinois also have established DV practice, while some states — Michigan's no-fault structure is the classic example — make DV recovery very difficult.
DVClaim Kit maintains a 50-state summary table with a status (favorable / moderate / restrictive / verify), a confidence level for every row, and the statute of limitations for property-damage claims. Rows are research summaries: they can be outdated or wrong for your exact facts, so verify with your state insurance department or a licensed attorney.
Deadlines matter as much as recognition. The clock generally runs from the accident date and is commonly 2–4 years for property damage — but Florida's negligence period shortened to 2 years for causes accruing after March 24, 2023, and several states have their own quirks. Your dashboard shows a countdown computed from your accident date; treat it as an estimate, not a legal opinion.