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Insurance supplement and code-upgrade review checklist

A before-authorization supplement checklist for newly discovered damage, measurement or quantity corrections, required access and related work, permit and adopted-code upgrades, ordinance-or-law coverage, manufacturer requirements, engineering, photographs, inspection findings, contractor pricing, schedule impact, insurer approval, owner responsibility, and written change orders before additional restoration work proceeds.

6 items to check

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The supplement reason and existing condition are documented before alteration

Critical item

The request should distinguish missed scope, changed quantity, concealed damage, code requirement, product requirement, contractor error, or owner upgrade.

Added and deleted work, locations, quantities, products, and repair interfaces are precise

Critical item

The request should define the actual restoration change rather than a broad lump sum.

Adopted-code or permit requirement and ordinance-or-law coverage are verified separately

Critical item

A current code requirement does not by itself prove policy coverage for the extra cost.

Manufacturer, matching, engineering, structural, environmental, and testing requirements are supported

Critical item

Technical necessity should be documented by the appropriate source.

Itemized price, markup, tax, schedule, permit, and payment effects are understandable

Critical item

The owner should know exposure if the insurer denies or partially approves the supplement.

Insurer decision and owner change-order authorization are both obtained before non-emergency work

Claim approval and construction authorization are separate controls.

Use when the contractor says the adjuster estimate is incomplete or concealed conditions change the work. A supplement request is not automatically approved coverage, and emergency safety work should be separated from elective upgrades. Do not climb storm-damaged roofs, enter unstable or flooded structures, touch downed electrical conductors, operate fuel-powered generators indoors, or begin hazardous cleanup without qualified direction. Emergency safety and temporary weather protection come before detailed inspection.

Reference standards

  • The homeowner insurance policy and endorsements, insurer claim instructions, mortgage-servicer requirements, applicable state insurance and contractor rules, adopted building code and permit requirements, signed restoration contract, authorized change orders, and exact repair-system manufacturer instructions
  • Current insurer supplement instructions, policy ordinance-or-law provisions, adopted code, permit correction notices, and authorized contractor change-order process

    • Tools

  • Policy declarations and endorsements, claim number, adjuster scope, contractor estimate, photographs, permits, invoices, and communications log
  • Camera, weather-safe ground-level observations, inventory worksheet, moisture or restoration records, and independent professional reports where needed
  • Payment, mortgage-servicer draw, depreciation, supplement, lien-waiver, warranty, and closeout records

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