Estimate Supplement — Insurance Claims Definition
Industry
Additional estimate amounts requested after hidden damage, code requirements, or scope changes are discovered after initial inspection.
Supplements are normal in property claims — opening walls reveals mold, engineers require additional bracing, or code officials mandate upgrades. Carriers review supplements with documentation and sometimes re-inspection.
Examples
After tear-out, water damage to subfloor not visible initially adds $4,200 via approved supplement.
Common Mistakes
Contractors stacking speculative supplements without photos. Delays when supplement authority tiers require manager approval.
