Reopening A Closed Insurance Claim

After your home experienced a significant adverse event, the insurance company paid your claim, you cashed the check and started on the repair work. But perhaps by the time you completed the repairs, the actual costs to repair your home or replace the broken items exceeded your insurance compensation?  Or, perhaps during the reconstruction process, additional damage was found, increasing your costs significantly. When this happens, many homeowners don’t know where to turn and erroneously believe their only option is to pay the increased costs themselves. However, under Florida law, you can request that your insurance company re-open your claim. At Get Paid For Your Claim, our public adjusters are experts in helping homeowners navigate the tricky world of reopening closed homeowners insurance claims.

According to Florida Statue 627.70132, homeowners can reopen a closed insurance claim for up to two years from the original date of loss. This is true even if you have already cashed the check from the insurance company. You are eligible to re-open a closed insurance claim if the insurance company reimbursed you for actual cost instead of replacement cost for repairing the damage, or if they denied the claim but you feel that the claim was valid. The first step in the process is to contact Get Paid For Your Claim to review your insurance policy, all communications you have had with the insurance company, any photos or videos of the original damage, and contracts with contractors completing the repair work. We will also come out, inspect the site of the damage, and develop our own line-item estimate of the costs for repair or replacement. After that, with your permission, we will contact the insurance company to re-open the claim.

When we re-open a claim, our first step is to send the insurance company the new information and our estimate with a sworn proof of loss. Depending on the situation, we may request that the insurance company adjuster return to the property for another field inspection. We aim to secure additional compensation through negotiation with the insurance company. In some cases, the insurance company may not want to negotiate. If this happens, we may enter into a mediation or appraisal to secure resolution for your claim.

Re-opening a closed insurance claim by yourself can be time-consuming and a hassle, but with Get Paid For Your Claim by your side, we manage all the heavy lifting and make the process as seamless as possible. Don’t accept a lower level of compensation than you deserve. If your insurance company has closed your claim, but you feel you deserve more, contact us today.

Insurance companies have their own team of experts and insurance adjusters to advocate on their behalf.  At Get Paid For Your Claim, weadvocate for you.  As a licensed and bonded Public Adjuster, we help insurance policyholders who have been forced to use insurance to make a claim.

Our service is fast and to the point.  We get results.  We know how to strategically move the process along, while negotiating on our clients’ behalf toward the best possible outcome — the maximum settlement available.

The earlier a public adjuster is brought into the process, the better the opportunity to help you obtain a more favorable claim settlement. As soon as you engage our team, we swing into action on your behalf.  And, we support you throughout the entire claim process to achieve the maximum insurance recovery.  For a free inspection and claim consultation, please contact us at any of our convenient Florida locations.