Under the Limitation Act insured homeowners only have 6 years from the date of the damaging earthquake(s) within which to sue EQC and insurance companies for compensation.  If homeowners do not sue then the claim(s) for money are no longer enforceable.  So EQC and insurers will escape without paying.  For houses and land damaged in the earthquake(s) on 4 September 2010 court proceedings must be filed  by 3 September 2016.  That date is fast approaching.  Once the limitation period has expired that is the end.  It cannot be extended.  Sue now.