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How long into getting a new policy can I file a claim?

I just opened a policy 2 weeks ago and now I'm having issues with my engine. I found a dead rat in there that's causing some transmission issues. I have comprehensive coverage. How soon can I file a claim for this? Is there a waiting period?

Dec 9, 2017 Charleston, West Virginia

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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

As long as the problems began after you started your policy, you can file a claim immediately. The statute of limitations in West Virginia is two years for property damage. The damage caused by the rat would fall under your comprehensive coverage so you will just have to pay your deductible. You would need to call your insurance company's claims department to begin the process.

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