Reopened vs. supplemental
- Reopened: revisits the original claim with additional documentation for the originally claimed damage
- Supplemental: additional claim for scope not originally submitted (new damage, additional items)
The distinction matters for statutory deadlines (1 year vs. 18 months).
When to reopen
- New documentation establishes denial was wrongful
- Carrier's closure was premature (before full scope investigation)
- Policyholder accepted low settlement under pressure
- Independent expert opinion supports different conclusions than carrier's
How to reopen
- Gather new documentation. Independent engineer reports, additional damage photography, contractor invoices, expert analysis.
- Identify what changed. Specifically, what new evidence supports reopening?
- Submit written request to reopen. Include all new documentation.
- Expect resistance. Carriers prefer not to reopen; expect pushback.
- Escalate if needed. DFS complaint, mediation, appraisal, CRN, counsel.
Time limit
1 year from date of loss under Fla. Stat. 627.70132. Act quickly.