Q: Can a insurance company close our claim after 7 months? We had a fire at the place we were renting on 1-1-2022
We had a house fire on 1-1-22 in Aitkin, MN. We were renting and I had renters insurance and I was told by my claims adjuster I had 2 years to get them my non salvageable list. Was going to send and my claim has been closed since July 2022. Just wondering how long a claim is open for
A:
A Minnesota attorney could advise best, but your question remains open for two weeks. I'm sorry about the fire. In terms of Minnesota statutes of limitations to file suit, only a local attorney can advise you there. But as a general premise of insurance practices nationwide, claims can generally be open as long as it takes, within reasonable limits, to make a determination of liability and damages. Carriers will close claims if there is no recent activity on them, with the option of re-opening. But that's general insurance practices - again, it would be advisable to get guidance from a local attorney. I can't speak for your state's specific insurance regulations.
You could consider trying to arrange a consult with a local attorney. They could review your file documents, the extent of damages, the carrier's position, and advise of your best options so as to avoid the jeopardy of having a claim sit idle indefinitely. Good luck
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