What supplemental recovery captures
- Hidden damage discovered during repairs
- Code-upgrade costs emerging
- Matching-statute scope recognized later
- ALE extending beyond initial estimate
- Additional contents damage
- Secondary damage from initial loss
Why supplementals are underused
Policyholder unawareness
- Don't know the 18-month window exists
- Assume claim closed = done
- Don't know supplemental is even an option
Process confusion
- How to file
- What to include
- Who handles it
Time pressure
- Life moves on post-loss
- New priorities
- Not tracking statute window
Fear of friction
- Assume carrier will be difficult
- Worry about damaging relationship
- Avoid conflict
When to file a supplemental
- Any time new damage emerges
- Hidden damage discovered
- Pricing evolved
- Code requirements identified
- Contractor scope expanded
How to file
- Gather new scope documentation
- Quantify additional costs
- Reference original claim
- Submit in writing
- Within 18-month window
The value of filing
- Often 20-50% more recovery
- Preserves the covered loss scope
- No impact on original payment
- Carrier must respond in good faith