Does an insurance company still have to consider paying a claim after several years have passed since the company was notified of damage but wasn't given a proof of loss or an estimate at time of loss?

No, probably not, your insurer is required to follow your state laws regarding limitation statutes. Your insurance contract also requires that you present proof of loss within the specified "reasonable" time period and cooperate in the claims process. If you choose to ignore the issue you can basically give up your right to compensation.

If you had extenuating circumstances such as an incapacitating illness and depending on the type of claim, you might be able to garner an exception from the insurance company. Best Wishes.

Statue of Limitations on an Insurance Claim Read your policy or contact your agent. If the claim has not been denied by the insurance company, the statue of limitations has probably not run out and you could possibly sue them. You might be justified to hire an attorney.

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