What a defensible supplement actually contains.
Loss-type by loss-type — what the carrier usually scopes, what the job actually needs, and the ANSI/IICRC sections that anchor every line item in the gap.
Water damage supplement playbook
How to build a defensible water-damage supplement: what the carrier scopes, what they miss, and the ANSI/IICRC S500 citations that anchor the gap.
Mold remediation supplement playbook
How to scope a mold remediation job to ANSI/IICRC S520 — containment, HEPA, structural removal, post-remediation verification — when the carrier’s estimate stops at "treat with antimicrobial".
Fire & smoke restoration estimate playbook
How to scope a fire and smoke loss to ANSI/IICRC S700 — soot characterization, structural cleaning, contents pack-out, and the line items carrier estimates routinely miss.
Sewer backup claim playbook
How to handle a sewer backup loss — Category 3 water under IICRC S500, the water-backup endorsement question, and the supplement scope a contractor needs to defend.
Hail & wind roof damage playbook
How to defend a roof claim after hail or wind — patch vs. replace disputes, matching for cosmetic continuity, manufacturer warranty interaction, and the standards that anchor a full replacement.
Frozen pipe burst claim playbook
How to scope a frozen-pipe burst — sudden-and-accidental coverage, the "vacancy" exclusion, drying scope per IICRC S500, and what to do when the burst is in a wall cavity vs. open.
Vandalism & theft claim playbook
How to handle a vandalism or theft loss — Coverage C sublimit traps for jewelry / firearms / electronics, scheduled-property interaction, and what the police report does (and doesn’t) prove.