I already accepted a check. Can I still get help?
Homeland Public Adjusters · Last reviewed: October 2026
Short answer: Often, yes. What matters is what you signed, not just whether you deposited a check. A payment check and a signed release are different things. In Florida, more damage from the same event can be reported as a supplemental claim within 18 months after the date of loss.
Check what you signed
Look for any document titled release, settlement agreement or sworn statement, and any wording on the payment letter itself. A signed release can close a claim; a payment by itself usually reflects only what the insurer has agreed to so far. Bring us the payment letter, the check stub and anything you signed, and we'll tell you where you stand.
Florida deadlines
- Supplemental claim (more damage or more cost from the same event): within 18 months after the date of loss (Fla. Stat. §627.70132).
- DFS mediation settlements: you can back out within 3 business days, unless you've cashed or deposited the check (Fla. Stat. §627.7015).
New Jersey
New Jersey policies set their own conditions and suit limits, so the policy and anything you signed decide what's still open. Call us before the time runs.
Frequently asked questions
Does cashing an insurance check close my claim?
How long do I have to reopen a Florida claim for more damage?
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This answer is general information only and is not legal or insurance advice. Statutes, regulations and policy wording change, and how they apply depends on your own policy and the facts of your claim. Homeland Public Adjusters is a public adjusting firm, not a law firm.
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