Robert & Linda Martinez · 4821 Oakwood Drive, Austin, TX 78745
Claim #DEMO-2024-0847
Date of Loss: January 14, 2024
State Farm Insurance
Missed Money Score
Gaps Detected
Insurance estimate covers ~72% of actual scope. Significant gaps remain.
ClaimScope identified 8 supplement opportunities totaling $6,240–$8,230 in missed scope on this Category 2 water loss. The insurance estimate omits standard drying protocol requirements (IICRC S500), contents handling, and code-required electrical upgrades. All items are defensible with cited standards.
$12,480
Insurance Estimate
$6,240–$8,230
Supplement Found
8
Items Flagged
High
Confidence
Baseboard Removal & Replacement
+$396–$540
48 LF × $8.25/unit
IICRC S500 §12.3 requires baseboard removal to allow air movement at wall base and prevent mold growth behind trim. Insurance estimate omits this standard line item.
Citation: IICRC S500 §12.3
Additional Drying Equipment — LGR Dehumidifier
+$1,140–$1,520
4 Day × $285/unit
IICRC S500 §13.6.2 mandates Low Grain Refrigerant (LGR) dehumidifiers for Category 2 losses exceeding 400 SF. Insurance estimate includes standard dehumidifier only.
Citation: IICRC S500 §13.6.2
Cabinet Detach & Reset — Lower
+$822–$1,100
12 LF × $68.5/unit
Water intrusion under kitchen cabinets requires detach and reset to allow subfloor drying and inspection. Omitting this creates hidden moisture that leads to mold claims 60–90 days post-repair.
Citation: IICRC S500 §14.1
GFCI Outlet Replacement — Kitchen
+$580–$720
4 EA × $145/unit
NEC 210.8 requires GFCI protection within 6 feet of kitchen sink. Water damage to electrical requires replacement to current code. Insurance estimate uses pre-2020 NEC pricing.
Citation: NEC 210.8(A)(6)
Subfloor Moisture Barrier — 6 mil Poly
+$272–$380
320 SF × $0.85/unit
Replacement flooring over concrete slab requires vapor barrier per manufacturer warranty requirements. Insurance estimate includes flooring replacement but omits required moisture barrier.
Citation: Manufacturer warranty requirement
Drywall Texture — Knockdown
+$696–$920
480 SF × $1.45/unit
Insurance estimate includes drywall replacement but omits texture application. Existing walls have knockdown texture — smooth finish would be visually inconsistent and not a like-for-like repair.
Citation: Like-for-like repair standard
Contents Pack-Out & Storage — 30 Days
+$1,850–$2,400
1 Job × $1850/unit
Scope of work requires full kitchen and dining room access for 3–4 weeks. Contents must be removed, inventoried, stored, and returned. Insurance estimate does not include contents handling.
Citation: IICRC S520 §9.4
Building Permit Fee
+$484–$650
1 Job × $484/unit
City of Austin requires building permit for structural repairs exceeding $500. Insurance estimate does not include permit fee, which is a required cost of repair.
Citation: Austin Building Code §105.1
Re: Supplement Request
Claim No.: DEMO-2024-0847
Insured: Robert & Linda Martinez
Property: 4821 Oakwood Drive, Austin, TX 78745
Date of Loss: January 14, 2024
Dear Mr. Michael Chen,
We are writing to formally request a supplement to the above-referenced claim. Upon thorough review of the insurance estimate dated January 18, 2024, we have identified several line items that are either missing from the scope of work or priced below current Xactimate benchmarks for the Austin, TX market.
The enclosed supplement package identifies 8 items totaling $6,240–$8,230 in additional scope. Each item is supported by IICRC standards, NEC code requirements, or manufacturer warranty specifications. We respectfully request review and approval of the attached line items at your earliest convenience.
Specifically, we draw your attention to the omission of LGR dehumidification equipment required under IICRC S500 §13.6.2 for Category 2 losses exceeding 400 square feet, the absence of baseboard removal and replacement per IICRC S500 §12.3, and the GFCI upgrade requirement under NEC 210.8(A)(6) triggered by the water damage to the kitchen electrical system...
We are available to discuss this supplement at your convenience and can provide moisture logs, drying records, and photo documentation supporting each line item. Please do not hesitate to contact our office at the number below.
Sincerely,
[Your Company Name]
[License #] · [Phone] · [Email]
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This is a sample report for demonstration purposes. Actual supplement amounts vary by claim, location, and scope. ClaimScope is not a licensed public adjuster. Contractors are responsible for verifying all line items with their licensed professionals before submission.