1. Contact your insurance company:
- Inform them that the cost of repairs has exceeded the amount of the original claim.
2. Provide necessary documentation:
- Submit any receipts, invoices, or estimates from the professional who performed the repairs.
- Include any additional documentation, such as photos of the damage or a copy of the original claim settlement agreement.
3. Explain the reason for the increased cost:
- Clearly outline why the cost of the repairs went beyond the initial estimate. This could include unforeseen issues that were discovered during the repair process, increased material costs, or additional work that was required.
4. Request a supplemental claim:
- Clearly state your request for a supplemental claim to cover the additional repair costs.
5. Cooperate with the insurance company's investigation:
- The insurance company may assign an adjuster to inspect the property and review the repair work.
- Provide any additional information or documentation that may be requested during this process.
6. Negotiate a settlement:
- The insurance company may evaluate the supplemental claim and negotiate a settlement amount.
- Be prepared to discuss your position and provide justification for the increased costs.
7. Monitor the settlement process:
- Once the settlement is agreed upon, monitor the process to ensure that the supplemental claim is processed promptly and any additional payment is received as per the terms of the agreement.
