All 50 states · plus the District of Columbia

Construction Claim Rules by State

Construction claim math is only defensible if the rule behind it is the right one for the jurisdiction. Statutory interest rates and accrual dates, Actual Cash Value definitions, whether labor can be depreciated, whether a no-damages-for-delay clause survives, the filing deadline, the labor-burden inputs and who can be sued after a site injury all vary by state, and several of them reset on a schedule. Each page below gives the researched rule with its citation and a direct link to the official source.

Alabama7.5% / year, fixed (unless the contract sets its own rate) AlaskaFloating, ~3 points above the Fed 12th District discount rate, reset e ArizonaLesser of 10% / year or (prime rate + 1%) Arkansas6% / year default (pre-judgment, contract silent); Fed primary credit California10% / year, fixed Colorado8% / year, compounded annually ConnecticutUp to 10% / year, discretionary Delaware5 points above the Fed discount rate (contract default, capped); same District of Columbia6% / year, fixed (general default); other rates apply in narrower cont Florida8.06% / year (effective Jul 1, 2026 through Sep 30, 2026) GeorgiaPrime rate + 3% (judgments); 7% (prejudgment default) Hawaii10% / year, fixed (both pre-judgment on written instruments and post-j Idaho12% / year fixed (contract default, pre-judgment); floating 5% + T-bil Illinois9% / year general postjudgment (varies by claim/debtor type) Indiana8% / year (or the contract rate, capped at 8%) IowaFloating, 1-yr Treasury constant maturity + 2% (both pre- and post-jud Kansas10% / year, fixed (contract claims, pre-judgment); floating, prime-lin Kentucky8% / year default before judgment; 6% / year compounded annually after LouisianaFloating, ~3.25 points above the Fed discount rate, reset every Januar MaineFloating, 1-yr T-bill + 3% (pre-judgment, no contract rate); 1-yr T-bi Maryland10% / year, fixed Massachusetts12% / year, fixed (or the contract's rate) Michigan3.959% / year (as of July 1, 2026, resets twice yearly) Minnesota4% (judgments ≤$50,000) or 10% (judgments over $50,000), fixed Mississippi8% / year default (contract silent); judgment bears the contract' Missouri9% / year, fixed (or the contract rate, if higher) MontanaFloating, Fed prime loan rate + 3% (both pre- and post-judgment, simpl NebraskaFloating rate, currently 5.970%/year, certified twice yearly (most con NevadaFloating, prime rate (largest NV bank) + 2%, reset every Jan. 1 and Ju New Hampshire1-yr T-bill + 2% (judgments/prejudgment, simple); 10% flat default for New Jersey4.5% (Special Civil Part) / 6.5% (above that limit) for 2026 New MexicoUp to 15% / year (contract default, no written rate); 8.75% fixed post New York9% / year, fixed North Carolina8% / year, fixed North Dakota6% / year default (pre-judgment, contract silent); Wall St. Journal pr Ohio7% / year (2026, resets annually) Oklahoma6% / year simple (pre-judgment, contract claims); Wall St. Journal pri Oregon9% / year, fixed Pennsylvania6% / year, fixed Rhode Island12% / year, fixed (compounds on prior prejudgment interest at judgment South Carolina8.75% / year (pre-judgment, fixed); 10.75%/year compounded annually (p South Dakota10% / year, fixed ('Category B') for both pre- and post-judg TennesseeFloating, reset twice yearly (postjudgment); currently 8.75%/year for TexasPrime rate, floor 5% / ceiling 15% Utah10% / year, fixed (contract default, pre-judgment); federal postjudgme Vermont12% / year, fixed Virginia6% / year, fixed (or the contract's rate, if higher and lawful) Washington12% / year (in practice, statutory floor usually controls) West Virginia2 points above the Fed 5th District secondary discount rate, capped 9% Wisconsin5% / year (prejudgment); floating, reset twice yearly (postjudgment) Wyoming7% / year, fixed (pre-judgment, contract silent); 10% / year, fixed (p

Run the numbers once you know the rule

Five calculators covering delay and extended overhead, labor burden, property loss, litigation interest and construction-site injury. Free to calculate; $19 for a documented report.

Open the calculator

This page is reference information for your own verification. It is not legal advice and is not a substitute for confirming the current rule with the official source linked above or with counsel. Several states' interest rates float and reset on a schedule (monthly, quarterly or annually), so always check the live source for the figure as of today rather than relying on what is shown here. Which rule actually applies to your specific claim is itself a legal question this page cannot answer for you.