A claim supplement is a claim for additional repair or replacement costs. Supplements are common in the claims process. However, if you policyholder is unaware of your policy rights, you can get away with hundreds or thousands of dollars that you are entitled to collect.
The claim dose is usually after the policyholder has submitted the claim, paid and completed the repair or replacement. Then, additional damage is discovered after some time.
Many people incorrectly think that, once a claim is closed, it cannot be reopened. And, insurance companies and their adjusters are usually not quick to tell you how to submit a claim supplement. so what to do? Let’s look at car insurance claims and property insurance claims.
For any type of supplemental claim, you will need to contact your insurance company and give them your original claim number. The best way to notify the company is in writing, certified mail sent. In this way, you will get to know who has signed the letter. The insurer must reopen the claim. You may get an adjuster as before, but probably not.
Car insurance supplement claims
Many supplements occur when cars are being repaired. Many times, hidden damage is discovered when the body shop begins to dismantle the car. Therefore, while the insurance company may have issued payment to the body shop from the original repair estimate, they will issue a second check for supplemental repairs. Happens all the time, no big deal.
However, sometimes problems after repair are not immediately visible. A good example is the air conditioning system. If you have a car wreck in July, you may not notice that your heater is deteriorating until fall or winter. But when any damage is discovered that may be directly related to the original insured loss, you can submit a supplement. Just send the damages and documentation of their cause and supplement to the insurance company. Any additional deductions are not assessed since you have already paid them.
Property insurance supplement claims
Homeowners, renters or business insurance claims may require a supplemental claim for some of the same reasons found in car insurance claims. Seasonal issues can bring losses related to basic losses. But, some other issues may present themselves. You may have a specialist report that shows additional damage to the original damage. There may be hidden damage to your contractor that needs to be repaired. In any event, document your claim carefully and submit it to the insurance company.
Make sure you are collecting all the money you are entitled to collect. Use supplementary claims whenever your claim is needed.
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