What is a claims supplement?

A claims supplement is an additional claim payment request submitted after the initial claim has been opened. When contractors begin repairs, they often discover hidden damage not visible during the initial adjuster inspection, such as mold behind walls, rot under flooring, or additional structural issues. Your contractor documents the additional damage and your insurance company reviews the supplement. Supplements are a normal part of the claims process, especially for water damage, fire, and storm claims. Work with a reputable contractor who has experience submitting supplements to ensure nothing is missed.