Gaijin and modern NATO armor

Major Update 1.79 “Project X” - changelog

  • For ground vehicles with blowout ammunition panels, new fire mechanics have been introduced. Fires in compartments with blowout panels can not be put out with FPE if the ammo is on fire, and will instead go out after the propellant charges burn out (15-30 secs). However, fires may start in other parts of the vehicle. If the armoured protection of the ammo load is struck, it won’t be able to protect the crew from the fire and the vehicle will subsequently be lost.

That’s from the fire, it doesn’t talk about it being open/closed depending if reload is in process or not.