By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: Yes. A Florida public adjuster can review your claim, scope, and offer even after a settlement offer has been made. If the documentation supports a higher recovery, a supplemental claim can be filed within the supplemental window of 18 months from the date of loss. If you already accepted the settlement in writing as final, it's harder but not impossible.
The supplemental window
18 months from date of loss, so as long as you're within that window, a supplemental is procedurally viable.
What a PA reviews
- Scope missed on the carrier's estimate
- Depreciation that was improperly applied
- Matching-statute issues
- ALE / business interruption undervaluation
- Code-upgrade coverage not applied
The tradeoff
If you've already cashed a check and accepted the settlement in writing as final, the supplemental path is harder but not impossible.