Why the first adjuster estimate may need more detail
Adjusters often write the initial scope from photos and a walkthrough. They may not see what is behind drywall, under flooring, or inside wall cavities until demolition exposes it. They also work from regional pricing databases (Xactimate, Symbility) that may not match every local contractor cost in active markets like the DMV. A first-pass estimate can focus on visible damage before hidden scope, pricing details, or labor items are documented. Supplements help organize those details for carrier review.
What can trigger supplement review
Five common supplement-review triggers in restoration jobs are hidden damage exposed during demo, material or labor pricing that needs local documentation, code-related repair items, scope items not captured on the first walkthrough, and documented drying time that differs from the original estimate. Each item should be tied to photos, measurements, notes, and contractor scope details.
How to document a supplement for carrier review
Supplement review depends heavily on documentation. The restoration company should provide dated photos of the newly discovered damage before remediation, moisture readings or material-condition notes that support the observed condition, a written scope addendum that ties each new line item to a specific cause, and current contractor pricing for the affected materials. The owner or authorized party can share the supplement package with the adjuster. Written supplement documentation with clear photos and notes is easier for the carrier to evaluate.
When the carrier requests more detail
If the carrier requests more information or does not review a supplement as expected, ask what documentation or re-inspection options are available. Your policy may also describe review, appraisal, or dispute-resolution procedures. For claim advocacy, coverage disputes, or legal questions, consult your carrier, a licensed public adjuster, or an attorney in your state. PSR's role is to provide restoration documentation, not to negotiate settlements or provide legal advice.
How a restoration company supports the supplement process
PSR provides restoration review documentation throughout the job — initial scope photos, moisture readings, drying logs, demolition photos showing hidden damage, supplement line-item notes, and final closeout photos with measurements. We do not negotiate on the homeowner's behalf; the policy is between you and the carrier. If a carrier requests more information, we provide restoration documentation the homeowner can use to discuss next steps with the carrier, a licensed public adjuster, or another qualified adviser.
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