Reopening mechanisms
Supplemental claim (627.70132)
- Within 18 months of date of loss
- New scope, new damage, missed items
- Doesn't require reversal of closure
- Treated as addition
Reopened claim (1 year)
- For new-claim notice within 1 year
- New damage manifesting
- Original claim may not be reopened; this can be "new"
Reconsideration request
- New evidence
- Legal basis for reversal
- Written request to reopen review
Appraisal (if amount dispute exists)
- Can be invoked post-closure if policy allows
- Panel decides disputed amount
- Binding on amount
CRN for bad-faith handling
- If closure was pretextual
- Within statutory timing
- Preserves bad-faith cause of action
What supports reopening
- New evidence previously unavailable
- Newly-discovered damage
- Hidden scope emerging during repairs
- Scope gap identified post-closure
How to request
- Written request citing specific basis
- Supporting documentation
- Claim number reference
- Specific action requested
Timing
- Supplemental: 18 months from loss (not from closure)
- Reopening: 1 year from loss for new claims
- CRN: During ongoing claim or before statute of limitations