Supplement Claims
If your insurer underpaid or missed damage, a supplement claim recovers the difference. We review the original estimate, identify what was missed, and pursue the additional payment you're owed.
We document it. We negotiate it. You recover it.
If your insurer underpaid or missed damage, a supplement claim recovers the difference. We review the original estimate, identify what was missed, and pursue the additional payment you're owed.
- Underpaid claim review
- Missed-damage supplements
- Re-inspection coordination
- Additional payment recovery
Every file is handled by a licensed adjuster, on contingency. You pay nothing upfront and nothing at all unless we recover for you.
Start your free reviewWhat is a supplemental insurance claim?
A supplemental claim recovers money on a claim that was already filed but underpaid, when the first settlement missed damage, omitted line items, or applied too much depreciation. You don't start over; you re-open the existing claim with the documentation needed to prove the additional amount owed. How long you have to do that depends on your state and policy, so it's worth moving quickly.
When you need supplement claims help
- Your settlement came in below your contractor's repair estimate
- Hidden damage surfaced after the claim was paid
- The carrier's scope left out line items, code upgrades, or matching
- Recoverable depreciation was withheld and never released
- Repairs revealed the original scope understated the real cost
How supplement claims work with Vanguard
- Review the original estimateWe compare the carrier's scope and payment against the actual damage to pinpoint exactly what was missed or undervalued.
- Re-inspect and documentWe re-inspect the property and build the evidence (photos, measurements, and estimates) for every omitted or underpaid item.
- Prepare the supplementWe assemble a line-item supplemental demand that ties each additional item to the covered loss.
- Submit and negotiateWe file the supplement, coordinate any re-inspection, and negotiate the additional payment, invoking appraisal if needed.
- Recover the differenceWe pursue the gap between what you were paid and what your policy owes, including withheld recoverable depreciation.
How we build your case
The settlement follows the documentation. Here's what we put on the record so the claim is decided on evidence, not the carrier's first impression.
- A line-by-line comparison of the carrier's estimate vs. actual damage
- Re-inspection photos and measurements of missed damage
- Independent contractor estimates for the omitted scope
- Documentation of withheld recoverable depreciation
- Code-upgrade and matching items left off the original claim
- A clear record connecting each item to the original covered loss
Why this beats going it alone
Most homeowners never realize a paid claim can be reopened, and carriers rarely volunteer it. The hard part is proving, item by item, what the first scope missed and tying it back to the covered loss. That documentation is exactly what we build, which is what turns 'the claim is closed' into an additional payment.
What it costs: no recovery, no fee
We work on contingency, so there are no upfront fees, and if we don't recover, you don't pay. The fee for your claim is set out in the written contingency agreement we review with you before you sign. You also have the right to cancel a public adjuster contract without penalty within a short window after signing: 10 days in Florida (30 days during a declared emergency) and five business days in South Carolina, so you're never locked in.
Want the full breakdown of how public adjuster fees work? See our public adjuster cost guide.
Supplement Claims FAQ
No upfront fees. No recovery, no fee.
A licensed public adjuster works your claim from first inspection to final settlement.
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Have a supplement claim?
A licensed public adjuster will review your loss and policy for free.