The first thing you need to do is you need to file a claim with your insurance company. You have three years from the date of you discovering the damage or the date of loss. If it’s a hurricane incident, then you have three years from the date of the hurricane to make your claim. Once you make your claim, from the date of loss, you have five years to file a lawsuit with your insurance company. That’s if it’s a breach of contract. If you want to sue the next property owner above you, maybe you live in a condominium, maybe you’re in an apartment complex and someone’s pipe burst and it leaked into your property, then you wouldn’t be bringing a breach of contract claim. You’d be suing the next unit owner or property owner. That would be four years. So it just depends on the type of claim that you’re bringing. Generally, if you’re going to sue your own insurance company for coverage, you would have five years from the date of that incident.