Many insurance companies allow one full calendar year to complete a restoration project. While that was previously enough time to finish said projects, due to the COVID-19 pandemic and other issues with the global supply chain, insurance extensions are a lot more common now than they ever have been in recent history.  

So what do you do if you need to file an insurance extension? The first step is to reach out to your insurance company well ahead of time and explain to them the need for the insurance extension, you should be able to demonstrate that 12 months is not enough time to fully complete your restoration project to a pre-loss condition. Always check your insurance policy to determine what the process is for filing insurance extensions, sometimes it depends on the individual insurance company.