What a supplement is
- Additional scope on an existing claim
- Within 18 months of date of loss (627.70132)
- Doesn't require denial of original
- Can include new damage or missed scope
Carrier review process
- Supplement received and logged
- Original claim file reviewed
- Reserve re-evaluated
- New scope considered against:
- Coverage
- Policy compliance (duties after loss)
- Pricing integrity
- Timing
- Re-inspection if warranted
- Supplement paid, denied, or partially accepted
Common supplement grounds
- Hidden damage discovered during repairs
- Code-upgrade requirements found
- Matching-statute scope
- ALE extensions
- Expert report supporting additional scope
- Emerging damage from original peril
What to include
- Specific new scope (not a restatement of original)
- Evidence supporting each addition
- Expert report when applicable
- Revised Xactimate estimate
- Cover letter explaining basis
Common carrier objections
- "Not timely": cite 18-month window
- "Not supported": submit additional evidence
- "Already paid": distinguish new scope
- "Not caused by original peril": causation documentation