Supplement Request
A formal submission to an insurance carrier requesting additional payment for damage or repairs not included in the original estimate. Supplements are supported by photos, measurements, and documentation.
What Is a Supplement Request
A supplement request is a formal submission to an insurance carrier asking for additional payment beyond the original claim estimate. Supplements are a normal and expected part of the insurance restoration process, not an adversarial action.
When to File a Supplement
Supplements are appropriate when damage is discovered during repairs that was not visible during the initial inspection, when building code requirements add work beyond the original scope, when material matching requires upgrading quantities, or when the original estimate contains errors.
Building a Strong Supplement
The supplement should include clear photographs of the additional damage, measurements supporting the new quantities, a revised estimate with the added line items, and a written explanation connecting each new item to the covered cause of loss. The stronger the documentation, the faster the approval.
Frequently asked questions
A supplement request is a formal communication to the insurance carrier asking them to add items to the existing claim estimate. It includes documentation of the additional damage or required work that was not in the original scope.
A strong supplement request includes photographs of the additional damage, measurements, a revised estimate showing the new line items, an explanation of why each item is needed, and any supporting documentation such as code references or manufacturer requirements.
No credit card required