I already accepted a check. Can I still get help?

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.

Follow-up questions