Does homeowners insurance allow retroactive claims?

Preexisting Home Damage

Most states only allow a maximum 2 year delay in filing a claim.

There is no such thing as a retroactive claim. Homeowners Insurance policies "Do Not" cover preexisting damage and the claim should be filed with the Insurance company that was covering the home at the time the damage occurred.

Other answers

Most do however it depends upon the claim and what state you are in. Also the period of time cannot usually be over 12 months.