Supplement Claims: Getting More Coverage Approved

What Is a Supplement Claim?

A supplement claim is a request for additional payment after your initial claim has been settled. It's used when:

• Additional damage is discovered
• Repair costs exceed the initial estimate
• The original scope was incomplete

When to File a Supplement

1. Hidden Damage Found

• Contractor discovers damage not visible initially
• Removing old materials reveals more damage
• Water damage found during repairs

2. Scope Underestimation

• Initial estimate missed areas
• Incorrect measurements
• Overlooked items (gutters, flashing, ventilation)

3. Code Requirements

• Building codes require upgrades
• Permit requirements add costs
• Additional work needed for compliance

4. Price Increases

• Material costs increased since initial estimate
• Labor rates changed
• Supply chain issues affected pricing

How to File a Supplement

Step 1: Document Everything

• Photos of newly discovered damage
• Contractor's written assessment
• Detailed scope of additional work
• Updated cost estimates

Step 2: Submit Formally

• Write a formal supplement request
• Include all documentation
• Reference original claim number
• Explain why additional payment is needed

Step 3: Support Your Request

• Provide invoices and receipts
• Include contractor statements
• Add photos with dates
• Reference code requirements if applicable

Tips for Successful Supplements

• Document during repairs - Photos throughout the process
• Get contractor support - Written statements explaining the need
• Be specific - Detail exactly what's needed and why
• Respond promptly - Don't delay if more damage is found
• Know your policy - Understand what's covered

What to Expect

• Insurer may send another adjuster
• Review process may take 1-4 weeks
• May require negotiation
• Partial approval is common

Key Takeaways

• Supplements are normal and expected
• Document any additional damage found
• Work with your contractor on documentation
• File promptly when issues are discovered