How Do I Handle a Supplement Claim for Additional Damage Found?

Once additional damage is found, take clear photos and videos before any work continues. Write down what you see, including the location, extent, and possible cause. If the pros are already on site, ask them to provide a written description of the new damage and what repairs it requires.

Keep all receipts, invoices, and any reports from the pros. This paperwork supports your supplement claim and helps your insurance company understand the change. Organize everything in one folder, either digital or paper, so you can share it quickly when needed.

• Photograph the damage from multiple angles
• Note the date and time you discovered it
• Save all email or text messages with the pros
• List any materials or labor already used
• Keep a copy of your original claim number

The pros handling your water damage restoration can help you document the supplement. They can provide itemized estimates for the additional work, including materials and labor. Share these documents with your insurance company to show the cost of the new repairs.

Ask the pros to explain the cause of the new damage, such as hidden mold behind a wall or a leaky pipe under the floor. This information helps your insurer understand why the supplement is necessary. Keep a log of all conversations with the pros and your insurer.

While the supplement is being reviewed, take steps to prevent further damage. If the new damage involves water, dry the area as much as you can and fix any active leaks. Use fans or dehumidifiers if possible. If you live in Columbus, your humid climate can worsen mold issues quickly.

Do not start major repairs until your insurer approves the supplement, unless it is an emergency to protect your home. Document any temporary measures you take, such as tarping a roof or shutting off water. These costs may be part of your claim, but check with your insurer first.