Water Damage Supplements
Water Damage Supplement Estimates — Making Sure Mitigation and Repairs Get Paid
Water damage claims span mitigation and repair — two distinct scopes that carriers often try to minimize simultaneously. Mitigation gets cut, dry-out scope gets challenged, and the repair estimate misses affected materials. We write comprehensive water damage supplements that document every category.
What Carriers Miss on Water Damage Claims
Full moisture mapping documentation in supplement
Affected materials beyond visible water line
Insulation replacement — often swapped for drying only
Subfloor and flooring materials when drying fails
Interior paint and drywall in adjacent affected rooms
Content manipulation and protection during repair
Anti-microbial treatment — frequently excluded from initial estimate
Overhead and profit on multi-trade repair jobs
Code upgrades on plumbing and electrical if water affected those systems
Our Process for Water Damage Supplements
Mitigation documentation review and supplement if underpaid
Full repair estimate written in Xactimate by category
Moisture mapping and testing results incorporated into supplement
24-hour delivery on repair estimate
Follow-up with carrier on both mitigation and repair components
Why Choose The Estimate Company
Licensed Insurance Adjusters
Kyle & Lexie Hamrick are licensed IAs with 40+ years combined experience. This isn't outsourced estimating — it's done by people who know exactly how carriers think.
24-Hour Turnaround
We deliver your supplement within 24 hours of receiving the job documentation. Storm season doesn't wait — neither do we.
$5,000 Guarantee
2 claims/week for 12 months = 6 figures minimum. If you follow our process and we don't hit that, we write you a $5,000 check. Nobody else offers this.
Ready to Stop Leaving Money on Water Damage Claims?
Send us the carrier estimate. We'll show you what's missing and have the supplement written within 24 hours.