Insurance Supplement
An additional invoice or claim addendum sent to an insurance carrier requesting payment for line items missing from the original scope.
When a carrier underwrites a roofing claim, their initial estimate frequently omits code-required items, ancillary materials (drip edge, ice & water shield, ridge cap), and overhead & profit. A supplement is the formal request — usually written in Xactimate format — that documents and prices each missed item. Average recovered supplement on a residential roof is $4,820.
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