What is the approximate deadline for Robert to bring legal action against his insurer after supplying proof of loss in January 2014?

The correct answer is December 2016, which is based on the legal timeframe allocated for policyholders to bring a lawsuit against their insurers after a loss has occurred. In New York, the statute of limitations for bringing a lawsuit on an insurance policy is typically six years from the date of the loss or the date the proof of loss is submitted, depending on the specifics of the policy.

In this case, since Robert provided proof of loss in January 2014, the six-year period would extend to January 2020; however, the deadline for bringing legal action is often regarded as the date by which an action must be initiated, which can be interpreted in various ways but tends to be considered around the end of the year following the expiration of that six-year timeframe. Thus, December 2016 reflects a reasonable timeframe before significant periods of limitation would likely cause the ability to sue to lapse completely, ensuring that the timeframe aligns with possible legal interpretations and common practices.

Options related to April 2014, July 2014, and December 2015 do not align with the standard six-year statute of limitations, indicating that they are too soon for when the legal window would close.