Insurance Claim Supplement: How to Get Paid for What the First Estimate Missed
The first estimate on a property claim is written before anyone opens a wall or tears off a roof. An insurance claim supplement asks your insurer to pay for what the repair turns up. Here is what goes in one, the Florida deadline, and what to do when the answer is no.
Recoverable Depreciation: What It Is and How to Get It Back
Your claim estimate shows replacement cost, subtracts depreciation, and pays you the difference first. That withheld amount is usually yours - held back until the work is finished and proven. Here is how the holdback works, how to get it released, and the deadline that costs people the money.