What are "supplemental claims"?

Supplemental claims refer to additional requests for compensation that are submitted after the initial insurance claim has been filed. These claims typically arise when new information comes to light or when previously unconsidered damages are discovered. This could occur after a property has been inspected, or when the full scope of the damages becomes apparent after repairs begin.

In practice, a policyholder may find that the damage was more extensive than initially assessed, or they may discover additional losses that were not included in the first claim. Therefore, the submission of a supplemental claim allows for these new or additional damages to be reviewed and compensated by the insurer, ensuring the policyholder is fully covered for all losses incurred.

The other options represent different types of claims or processes that do not accurately reflect the nature of supplemental claims as understood in the context of insurance. For instance, health-related issues, claim appeals after denials, and indirect losses all refer to separate categories of claims that do not address the situation where additional damages are identified after an initial claim has already been filed.