Supplement Requests for Hidden Damage
Hidden damage often shows up after work begins. We file supplements with full documentation so insurance pays for what’s actually required.
Hidden Damage Shouldn’t Come Out of Your Pocket
Once demolition starts, we often uncover soaked subfloors, mold behind walls, or damaged wiring that wasn’t visible during the initial inspection. If this damage isn’t documented and supplemented correctly, insurance won’t cover it. We handle supplement requests from start to finish so you aren’t left with surprise costs.
WHAT YOU CAN EXPECT
Complete New Documentation
Photos, notes, and readings collected on every hidden issue found.
Updated Xactimate Line Items
Additional scope added directly into insurance-approved format.
Adjuster Communication
We handle all back-and-forth until the supplement is processed.
Full Coverage Secured
Extra work approved so you aren’t stuck with unexpected costs.
Our 3-Step Restoration Process
Moisture, odor, and material issues mapped and logged for full coverage.
We stop the spread on arrival and prevent secondary damage.
We prepare adjuster-ready files and push your claim forward to approval.
HAVE QUESTIONS ABOUT RESTORATION?
Here are some of the things Oregon homeowners ask us most before starting a job:
How fast can your crews get here in an emergency?
Does Insurance usually covers water or mold damage?
Do i have to pay anything out of pocket?
Can you guarantee odor and mold wont come back?
Most contractors send vague requests or incomplete notes. Adjusters reject them because they don’t match insurance standards. That leaves homeowners stuck paying out of pocket for repairs that should have been covered.
We capture new photos, moisture readings, and notes on the additional damage, then update the estimate in Xactimate. This ensures the adjuster has a clear, code-matched record of why extra work is necessary.
What Oregon Homeowners Say About Rutman
Don’t Pay for Damage Insurance Should Cover
Call today and let us file supplement requests that get hidden damage approved and paid for.