# Claim filing window

A term used when buying moving.

The minimum time a customer has to file a damage claim, which no contract may shorten.

The claims ratio term concedes that claims lag the job by weeks, and the federal floor makes it months. A carrier may not provide for less than nine months to file a claim or less than two years to bring an action, by rule, by contract or otherwise. The suit clock is the part that surprises people: it runs from the date the carrier gives written notice that it has disallowed part of the claim. A seller who never sent formal disallowance letters has left that clock unstarted across the whole back catalog. So the [trailing twelve months](https://searchspheresource.com/glossary/ttm) of claims a deal is priced on is structurally incomplete at closing, and incomplete in the buyer's direction. Ask for the open-claim register and the disallowance letters by date, and size any holdback on nine months.

Part of: Buying a Moving Company (https://searchspheresource.com/guides/buying-a-moving-company)

Source: https://searchspheresource.com/guides/buying-a-moving-company/terms/claim-filing-window
Not dated: The same editorial definitions as the glossary, inside a trade.

Site index for machines: https://searchspheresource.com/llms.txt