Can I Reopen a Claim That Was Closed with No Payment?

Your Right to Reopen an Insurance Claim

Yes, you can reopen a property insurance claim. In Florida, property insurance claims can be reopened or supplemented under specific circumstances:

• New or Previously Undiscovered Damage Emerges: Sometimes damage worsens over time, especially after hurricanes, leaks, or hidden moisture issues. If you discover additional problems after the claim is closed, you can reopen the file.
• You Dispute the Insurer’s Estimate: If the original adjuster missed critical repairs or undervalued the scope of damage, you can submit a supplemental claim with new estimates or evidence.
• Improper Adjusting or Bad Faith Conduct: If the insurance company acted in bad faith.

For example, by closing your claim without proper inspection or misrepresenting coverage, you can challenge their conduct legally.

Florida Law Supports Your Right to Reopen

Florida policyholders benefit from consumer-friendly laws that support claim reopening:

• Florida Statute § 627.70131 requires insurers to act fairly, promptly, and communicate updates throughout the claim process.
• Florida Statute § 626.9541 prohibits unfair claim settlement practices—including improper claim closures.

Hire an Experienced Insurance Claim Attorney

Our lawyers can:

• Draft a formal demand letter
• Reopen and supplement your claim
• File a bad faith lawsuit if necessary

At Williams Law, P.A., we’ve helped homeowners across Florida challenge zero-dollar claims and recover what they’re rightfully owed. From Tampa to Orlando, Naples to Pensacola. We fight for property owners who’ve been shortchanged by their insurers.