I have exactly the same problem with DS-2CD2020F-I camera. After checking and testing we found the problem was camera have no enough power from POE splitter.
We are using passive POE splitter instead of the active one, this is the problem. We fix the problem by replacing the passive POE with the active one, and it never have the same problem again.
I wrote in detail here
http://yunarwinardi.com/reconnecting-error-code-hcnetsdk-dll91-hikvision-camera-video-lost-problem-solved/