By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: There is no fixed duration, but statutory windows define the effective lifespan. A claim stays open while the carrier processes it, payment is pending, or no release is signed. Initial decisions come within 60 days, supplementals run 18 months from loss, and many claims stay effectively open 6 to 18 months.
What "open" means
- Carrier actively processing
- Payment pending or in progress
- Reserves active
- No release signed
Key windows
Initial claim handling
- FNOL → 60 days for pay/deny/explain (627.70131)
- Most claims reach a decision within 60-90 days
Supplemental window
- 18 months from date of loss (627.70132)
- Supplemental filings preserve claim rights
- Can extend effective "open" well beyond initial resolution
Reopening window
- 1 year from loss for new-claim notice
- Reopened claims add to the original
Statute of limitations
- 5 years from loss (contract action)
- Bad-faith SOL separate
When claims effectively close
- Written release signed
- All payments issued
- Supplemental window expired
- No disputes pending
Keeping a claim "open"
- File supplementals promptly
- Don't sign broad releases
- Continue documentation
- Invoke escalation paths
Practical reality
- Many claims effectively open for 6-18 months
- Complex claims can span years
- Litigation can extend 2-5 years