What Documents Do You Need for an Xactimate Estimate Supplement?

Did your insurance company not pay enough for your home repairs? This happens a lot! Many claims miss important costs, leaving homeowners and contractors to cover the rest. That’s where an Xactimate Estimate Supplement comes in. It helps you get the money you should have gotten in the first place.

At CTT Claims, we make this process simple. But to get a supplement approved, you need the right documents. Below, we’ll explain exactly what you need and why it matters.

Why Do You Need Documents?

Insurance companies don’t just hand out money. They need proof that more repairs are needed or that their first payment wasn’t enough. Without the right paperwork, they may reject or delay your request. That’s why having good documents is so important. Whether you’re a homeowner or a contractor, the right records help make sure you get paid properly.

The Important Documents You’ll Need

1. Insurance Company’s First Estimate (Scope of Loss)

This is the first document your insurance company gives you. It shows what they are willing to pay for.

Check it for:

• Missing repairs
• Wrong measurements
• Outdated material and labor prices

At CTT Claims, we review this estimate to find mistakes that could lower your payment.

2. Contractor’s Estimate

A contractor is the expert who will fix your home. Their estimate shows what the repairs really cost. It should include:

• Prices for materials and labor
• Correct measurements
• Special requirements for repairs

This helps prove that the insurance company’s first estimate was too low.

3. Photos and Videos of the Damage

Pictures and videos show proof of the damage. Sometimes, an insurance adjuster might have missed something.

Make sure your photos and videos:

• Are clear and not blurry
• Show close-ups and wide views
• Capture before, during, and after the damage

4. A Request Letter for More Money

This letter tells the insurance company why you need more money. It should include:

• What was missed in the first estimate
• The total extra cost
• Proof that your request is fair

At CTT Claims, we take care of this for you! We make sure your request is strong and well-documented.

5. Extra Documents (If Needed)

Sometimes, you may need more paperwork, such as:

• Building codes – If repairs must meet safety rules
• Receipts or invoices – To prove you’ve already paid for some repairs
• Weather reports – If the damage was caused by a storm

More proof means a better chance of approval.

FAQs

1. How long does it take to get more money?

It usually takes 1 to 4 weeks, depending on the insurance company.

2. Can I ask for more money after repairs have started?

Yes! As long as you have proof, you can still request a supplement.

3. Will the insurance company approve my request?

Not always, but with the right documents, you have a much better chance.

4. Do I need a contractor to request a supplement?

No, but having a contractor’s estimate makes your case stronger.

At CTT Claims, we make it easy. We gather all the right documents and fight for the money you should have received. Don’t wait! Contact us today and let our Xactimate Supplement services help you get paid what you’re owed.