When you can still act
Under Fla. Stat. 627.70132:
- Reopened claim (1 year from date of loss): the original claim is revisited with additional documentation.
- Supplemental claim (18 months from date of loss): new damage discovered after initial settlement is claimed as a supplement to the original.
Situations that support post-settlement engagement
- You discover additional damage after the carrier closed the claim (hidden water damage behind walls, roof damage not visible at initial inspection, structural issues that emerged over time).
- The carrier's estimate was substantially under-scoped: you have documentation of the actual repair cost that exceeds the settlement.
- Code-upgrade or law-and-ordinance coverage wasn't claimed at initial settlement.
- Matching coverage wasn't applied where it should have been under Fla. Stat. 626.9744.
- ALE coverage wasn't fully claimed for the displacement period.
What to prepare
- Original settlement correspondence and payment documentation
- Current damage documentation (photos, contractor estimates, inspection reports)
- Policy declarations page and all endorsements
- Timeline of discovery of additional damage
Free review
Ocean Point reviews post-settlement scenarios at no charge. If the additional recovery potential justifies engagement, we take the claim. If not, we tell you so.