This came up on another thread so I decided to make a separate thread to perhaps better share the information. The images below show a supplement I submitted this past week and got approved. We routinely get supplements prepared in this manner approved with the majority of the insurance companies. While I haven’t tried it without using Xactimate, I see no reason it wouldn’t work with other methods. I’d like to believe it is content that is important, not format. I believe what works is (1) List the item; (2) Brief explanation of why it is being supplemented; (3) picture of the item the supplement is being requested for. What you are doing is presenting your case to a Claims Representative who has never been to the property, never will be to the property and only has the scope and pictures from their adjuster to go off of. It is your job, if you want to be successful, to present compelling evidence as to why your supplemental request should be approved. A hand written list of items simply won’t suffice in most cases or at minimum, will require some pretty intense, slick negotiating on your part. It took less than 10 minutes on the phone with the Claims Representative to get this 100% approved. Admittedly, he did list the items for the chimney as PWI (paid when incurred) meaning I have to now go to the municipality this roof is being built in, get their building code document and send it in to prove this enforcement of law item is required. See the pipe jack boot? Looks like it has adhesive applied to it and the shingles around it. Who do you think will argue this pipe jack boot can be salvaged?
We added $1,089.44 to this estimate with this supplement for valid items. We will end up getting around $285 per square for this roof, 3 tab 2 story steep. While that won’t make us wealthy, I believe that is a reasonable price that we can make a fair profit off of.