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?
Large Loss claim is any damage to property totaling over request to add items or increase amounts on an existing insurance claim. Large Loss 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 Large Loss 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.