You opened up the wall and found more damage. The carrier's estimate doesn't cover it. That's a supplement — and we specialize in getting them approved.
What Is a Supplement?
A supplement is a request to add items or increase amounts on an existing insurance claim. Supplements happen when damage is discovered during repairs that wasn't visible during the initial inspection. This is normal — hidden damage is everywhere in insurance work.
Why Supplements Get Denied
The #1 reason: insufficient documentation. Sending a revised estimate with a note saying "found additional damage" gets denied every time. The carrier needs:
- Photos documenting the hidden damage as discovered
- Explanation of why it wasn't visible during initial inspection
- Building code citations requiring the additional work
- Manufacturer specs mandating specific repair methods
- Line-by-line justification in Xactimate format
How We Help
We write supplements the way carriers want to see them — because we know what their desk adjusters are looking for. Every line item gets a code citation or manufacturer reference. Every item has supporting photos. The supplement tells a story the adjuster can follow and approve.
When to Call Us
Before you submit the supplement yourself. Once a carrier denies a supplement, getting them to reconsider is harder. Let us build it right the first time.