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Why Most Claims Need a Supplement
Initial estimates are often just a starting point based on visible surface damage. A supplement is standard procedure to ensure you are fully indemnified.
Surface-Level Initial Scope
Adjusters typically only write for what they can see on the surface. Hidden damages often aren't included until repairs begin.
Material Matching Issues
If continuous materials (like siding or flooring) can't be matched, the carrier may owe for full replacement, not just a patch.
Trade Coordination (O&P)
When multiple trades are required, you may be owed an additional 20% for Overhead & Profit (O&P) to manage the project.
Code Upgrade Requirements
Building codes may require upgrades to current standards. These costs are often omitted from initial estimates.
Recoverable Depreciation
Supplements help identify additional costs that might exceed the recoverable depreciation, maximizing your final payout.
Special Repair Conditions
Steep roofs, limited access, or special equipment needs are often overlooked in standard pricing models.
Common Supplement Items
Hidden damage discovered
Code upgrade requirements
Missing line items
Underpriced labor rates
Material price increases
Scope changes
How We Help You Fight Back
Supplement Document Preparation
We help you prepare professional supplement requests with proper documentation and justification.
Line-by-Line Comparison
Compare your estimate against industry standards to identify every underpaid or missing item.
Supporting Documentation
Generate supporting documentation including code references, manufacturer specs, and market pricing.
Negotiation Guidance
Get AI-powered guidance on how to communicate with your adjuster and present your supplement.
Denial Appeal Support
If your supplement is denied, we help you understand your options and prepare an appeal.
DOI Complaint Assistance
When necessary, we guide you through filing a complaint with your state Department of Insurance.
The Supplement Process
1
Upload Estimate
Share your current insurance estimate
2
AI Analysis
We identify underpayments and missing items
3
Document Prep
Generate professional supplement request
4
Submit
Send to your insurance company
5
Negotiate
We guide you through the response
Real Results
Water Damage
Initial Estimate$18,500
After Supplement$34,200
+85%increase
Roof Replacement
Initial Estimate$12,000
After Supplement$22,800
+90%increase
Fire Damage
Initial Estimate$45,000
After Supplement$68,500
+52%increase
*Results vary based on individual claim circumstances. Past results do not guarantee future outcomes.
One-Time Supplement Services
Need help with a specific supplement? Choose your level of support
Need ongoing DOI monitoring? It's included in DIY Pro ($59/mo) or available as an add-on for DIY Basic and Professional tiers
Quick Advice
$49
- Estimate review
- Missing items identified
- Basic supplement guidance
- 7-day email support
All tiers include EstimateIQ analysis powered by 304,000+ construction codes
Why Trust Our Supplement Support?
20+
Years of Adjuster Experience
10k+
Supplements Prepared
304k+
Construction Codes
$12.6k
Avg. Additional Recovery
We know what\'s missing because we\'ve written thousands of estimates ourselves.
24-48 hour turnaround
Money-back guarantee
DOI compliance support