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

Understanding Reopened Insurance Claims

In Florida, a reopened claim refers to a previously closed insurance claim that is reopened upon the insured’s request for additional costs related to loss or damage previously disclosed to the insurer. This is distinct from a supplemental claim for additional loss or damage from the same peril not previously disclosed.​

Valid Reasons to Reopen a Claim

You may consider reopening a closed claim if:

  • New Damage Discovered: Damage related to the original incident becomes apparent after closing the claim.​
  • Underpayment: The initial settlement was insufficient for repair or replacement costs.​
  • Errors or Omissions: Mistakes in the initial assessment or overlooked damages.​
  • Policy Misinterpretation: Disputes over coverage due to complex policy language.​
  • Bad Faith Practices: The insurer acted unfairly or failed to fulfill contractual obligations.

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 reasonably, promptly, and communicate updates throughout the claim process.
  • Florida Statute § 626.9541 prohibits unfair claim settlement practices, including improper claim closures.

Timeframe for Reopening Claims

Florida law stipulates specific time limits for reopening claims:​

  • Reopened Claims: Must be filed within one year after the date of loss.​
  • Supplemental Claims: Must be filed within 18 months after the date of loss.​

These timeframes are crucial; failing to act within them may bar you from reopening your claim.

When to Seek Legal Assistance

Reopening a closed insurance claim in Florida is a viable option for policyholders who believe their initial claim was unjustly denied or underpaid.

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. We fight for property owners whose insurers have shortchanged them.