Reopened Claim
An insurance claim that was previously closed but is opened again because additional damage was discovered, a supplement was submitted, or the original payment was disputed.
What Is a Reopened Claim
A reopened claim is an insurance claim that was previously settled and closed but is opened again for additional payment or review. Claims are commonly reopened when hidden damage is discovered during repairs, when a supplement is filed, or when the original settlement is disputed.
Common Reasons to Reopen
Hidden damage is the most frequent reason. During tear-off, a contractor may discover rotted decking, damaged framing, or mold growth that was not visible during the initial inspection. This new damage requires a supplement and the claim must be reopened to process it.
Process and Timelines
To reopen a claim, contact the carrier with the original claim number and provide documentation of the newly discovered damage. The carrier will typically assign an adjuster to reinspect. Time limits apply, so file the request as soon as the additional damage is identified.
Frequently asked questions
Yes, in most cases. If additional damage is discovered, if the original scope was incomplete, or if the repair cost exceeds the original estimate, you can request that the carrier reopen the claim. Time limits apply based on your state's statute of limitations.
The time limit depends on your state's statute of limitations for property damage claims, which typically ranges from 1 to 6 years from the date of loss. Check your state's specific requirements.
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