A supplement is a request for additional funds when the original insurance estimate is missing necessary labor, materials, quantities, or code-required items needed to complete the approved scope of work.
Carrier estimates can omit items, use different quantities, overlook code requirements, or fail to account for components discovered once work begins.
No. A legitimate supplement should be supported by the actual scope, documentation, measurements, photos, invoices, code requirements, or other relevant evidence.
Things like flashing, drip edge, starter, ridge cap, ventilation, detach/reset items, steep/high charges, siding accessories, code upgrades, labor operations, and discrepancies in measurements or quantities.
Often, yes. In fact, some necessary items aren't identifiable until construction begins. Timing and documentation become especially important.
It varies considerably. Some supplements are resolved quickly, while others require multiple rounds of documentation and communication with the carrier.
No. Submitting an item doesn't guarantee approval. The carrier reviews the documentation and determines what it will accept under the policy and claim.
The documentation can be reviewed to determine whether additional support or clarification is available and whether further communication with the carrier is appropriate.
Typically, the carrier estimate, measurements, photos, contract/scope information, and any relevant invoices, receipts, code documentation, or other job-specific records.
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