Insurance Claim Supplements – How to Submit it

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claim supplements is a claim for additional repair or replacement costs.

Supplements are commonplace in the claims process. However, if you are a

policyholder unaware of your policy rights, you could be walking away

from hundreds or thousands of dollars that you are entitled to collect.

Claim supplements usually occur after a policyholder submits a claim, gets

paid and gets the repairs or replacements completed. Then, additional

damage is discovered some time later.

Many people erroneously think that, once the claim is closed, it cannot be

re-opened. And, insurance companies and their adjusters usually don’t rush

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 kind of supplemental claim, you must contact your insurance

company and give them your original claim number. The best way to notify

the company is in writing, sent Certified Mail. That way, you’ll know who

signed for the letter. The insurer will have to re-open the claim. You might

get the same adjuster as before, but maybe not. replacement costs

Car Insurance claim supplements

Lots of supplements happen when cars are getting repaired. Many times,

hidden damages are discovered when the body shop begins dismantling the

car. So, while the insurance company may have issued payment to the body

shop from the original repair estimate, they will issue a second check for

the supplemental repairs. Happens all the time, no big deal.

However, sometimes post-repair problems don’t show up right away. A

good example is the Air Conditioning system. If you have a car wreck in

July, you might not notice that your heater is malfunctioning until fall or

winter. But when any damages are discovered that can be directly related

to the original insured loss, you can submit a supplement. Simply document

the damages and their cause and send the supplement to the insurance

company. No additional deductible is assessed, since you already paid it once.claim supplements

Property Insurance Supplemental Claims

Homeowners, Renters or Business insurance claims can find a need for a

supplemental claim for some of the same reasons found in car insurance

claims. Seasonal issues can bring up damages related to the original loss.

But, some other issues might present themselves. You may have an expert’s report that shows additional damage attributable to the original loss. Your contractor may have found hidden damage that must be repaired. In any event, carefully document your claim and submit it to the insurance company.claim supplements

Be sure that you are collecting all the money you are entitled to collect. Use supplemental claims whenever your claim requires it.

If you have experienced a property loss, whether fire, wind, flood or other, you need to know winning insurance claim strategies. The insurance company will not tell you the claims process, but I will. I will show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, go to the website listed below.replacement costs

Source by Russell Longcore


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