What is the statute of limitations for a flood claim. How long do you have to reopen a flood claim after it’s closed?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 24, 2012

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Insurance Question from Virginia Beach, VA

Asked on 03/24/2012

What is the statute of limitations for a flood claim. How long do you have to reopen a flood claim after it’s closed? Found more damage not paid for in prior claim.

Answer given on March 25, 2012

If this is truly a flood claim, then the claim was handled through a FEMA claims adjuster. You will need to contact National Flood Ins Program (NFIP) and ask if you can reopen the claim. If the damage is from mold or dry rot, it is not likely that they will agree to reopen the claim, since that is caused by dampness over time, and would not likely be a part of the actual damage from the flood. If you are referring to a water damage claim to your home, you need to contact your agent or insurance company to see if they will reopen the claim. It depends upon the amount of time since the original claim was filed as to whether or not they will reopen the claim. Again, if the damage is from mold or dry rot, the insurance company may deny the claim, unless you can prove the damage was caused by an area that should have been repaired but was overlooked in the original claim.

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