Well it appears that there is an issue as to whether FEMA's grant of 6 months additional time to file paperwork also extended the statute of limitations.
See this press release from Senator Schumer:
SCHUMER: LITTLE KNOWN DEADLINE FOR THOUSANDS OF SANDY VICTIMS TO HOLD ACCOUNTABLE INSURANCE COMPANIES FOR SHORT-CHANGING THEM IS FAST APPROACHING; MANY FAMILIES DON’T EVEN KNOW THEY MAY NEED TO TAKE LEGAL ACTION, BUT MAY SOON LOSE THAT RIGHT ANYWAY– SCHUMER CALLS FOR FEMA TO EXTEND DEADLINE
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