How to Request a Supplement the Right Way
Most claims require a supplement—because initial estimates rarely include everything needed.
But supplements must be presented the right way to get approved.
Here’s how to do it correctly.
When You Should Request a Supplement
• Missing scope items
• Incorrect pricing
• Discovery of hidden damage
• Contractor-required work not included• Code upgrades
• Material matching issues
What Documents You Need
• Contractor bid
• Adjuster estimate
• Photos
• Moisture readings or reports
• ITEL reports
• Manufacturer specs
• Code requirement documentation
The more complete your package, the faster the approval.
How to Present Your Case
1. Be factual—no emotion.
2. 3. 4. 5. Show side-by-side line item differences.
Reference IICRC, building code, or manufacturer specs.
Provide justification for each added item.
Avoid lump-sum requests—always break items down.
Common Mistakes to Avoid
• Asking for upgrades disguised as supplements
• Not providing documentation
• Making demands instead of requests
• Skipping trade notes or explanation
• Providing unclear photos
Need help building a supplement package?
Upload your estimate and we’ll create a carrier-ready version.
