When I first started in this business in the early 1980s, there was no such thing as a “supplemental” claim. The “supplemental claim” is a recent legal concept of property insurance claims law made up by Florida’s insurers, the Office of Insurance Regulation, and codified by Florida’s legislature, which is not in existence anywhere else in the United States other than Florida.
Continue Reading Appraisal of Supplemental Claims – Are Supplemental Claims Part of The Loss?

Continuing on with last week’s post on late notice claims, this week I want to expand on Shaun’s post from last week about the difference between supplemental and reopen claims. Blurring the distinction between the two is an easy way to confuse the issues that may result in the denial of an otherwise valid claim. That is why it is so important to keep the two separate.

Continue Reading Late Notice of the Claim Part 4: Supplemental v. Reopen