Many Florida homeowners believe that once their insurance claim is closed, the opportunity to recover additional funds is gone. In the attached video, Florida property insurance attorney Ben Raslavich explains how you can reopen a closed or underpaid homeowners insurance claim and why acting quickly is critical under Florida law.
Even after a claim has been closed, Florida law allows homeowners to pursue a reopened claim if you previously filed but did not receive full compensation. Typically, you have one year from the date of loss to request additional payment for previously disclosed damage. A supplemental claim works slightly differently — if you discover new damage during repairs or incur higher costs than originally estimated, you generally have 18 months from the date of loss to file it.
These deadlines apply to hurricane, wind, tornado, rain, and other storm-related claims across Florida, and insurance companies don’t always inform homeowners about these rights, which means many miss the chance to recover what they’re entitled to.
Understanding the rules and deadlines can make the difference between recovering a fair settlement or leaving money on the table. Legal guidance helps ensure your claim is properly evaluated and that the insurance company honors its obligations.
Protect Your Rights and Reopen Your Claim
If your homeowners insurance claim was underpaid, prematurely closed, or didn’t cover all the damage, don’t wait to act. Contact a Florida property insurance attorney to review your claim, file a reopened or supplemental request, and pursue the compensation you deserve.
FAQs
- What is a reopened homeowners insurance claim?
A reopened claim is filed when your original claim was closed but you seek additional payment for damage already reported. Florida law typically allows one year from the date of loss to submit this type of claim. - What is a supplemental claim?
A supplemental claim is submitted for newly discovered or additional damages during repairs. Homeowners generally have 18 months from the date of loss to file it under Florida law. - Which types of claims can be reopened?
Reopened and supplemental claims apply to hurricane damage, wind damage, tornadoes, rain damage, and other storm-related property losses. Any underpaid or overlooked damages may be eligible. - What happens if I miss the deadlines for reopening a claim?
If deadlines pass, your ability to recover additional compensation may be lost. Acting promptly is essential to protect your legal rights and pursue a fair settlement.