Supplement requests drafted from your own field record, for your estimator to review and send.

A commercial loss file holds two accounts of the same building. The adjuster's scope lists rooms, quantities and line items as the insurance side saw them, often early. Your side holds field notes, the numbered photo log, the signed work authorization and whatever turned up once walls came open. Someone at your estimating desk sits with both and writes out what is missing, room by room, before the claim moves on.

For the test, AI reads copies of both sides and builds a line by line comparison: each adjuster line matched to your record, each piece of work your record shows with no line in the scope, quantities that differ, and the note, photo number or reading behind every item. From that it writes a draft supplement request in your format. It takes no position on coverage. Your reviewer checks it against what your team sent on the same loss.

In Florida the word has a definition. Section 627.70132 treats a supplemental claim as more loss from a peril the insurer already adjusted, or as costs incurred finishing repairs on an open claim with timely notice. A reopened claim is different: a closed claim brought back when the insured asks for additional costs on loss already disclosed. Notice of a supplemental claim runs 18 months from the date of loss, notice of a claim or reopened claim one year, and for a hurricane the date of loss is landfall. So the draft shows the date of loss, each scope date and the request date, and leaves the label to your estimator and the policyholder.

A statutory clock may or may not reach your building. Florida's section 627.70131 has an insurer pay or deny an initial, reopened or supplemental claim within 60 days. On commercial property that reaches a claim only where the insured structure is 10,000 square feet or less, and it leaves out policies covering nonresidential commercial structures or contents in more than one state. The draft records when each scope arrived and the building size your file shows. Whether a clock applies is not its call.

Your estimator can't argue the policy. Texas Insurance Code section 4102.163, widened in 2019 from roofers to contractors generally, bars a contractor from acting as a public adjuster or advertising to adjust claims on property it is working on or may work on, even with a license or a power of attorney. Florida's section 489.147 bars a contractor without a public adjuster license from interpreting policy provisions, advising on coverage or adjusting a claim for the insured, and requires a good faith estimate with any agreement authorizing repairs. An older Florida assignment had to carry a written, itemized, per-unit cost estimate. The draft says what your field record shows, and no sentence says what a policy owes.

Category moves whole groups of lines. In a statement dated February 10, 2026, on its 2021 edition, the S500 consensus body said wind-driven rain and other weather-related water are not automatically Category 3. That example applies where water is grossly contaminated, and the restorer reaches the preliminary determination by inspection. The same document has Category 2 or 3 losses using contamination controls and worker protection, so containment and negative air lines follow that determination. A draft carries the category your notes recorded beside the inspection facts behind it, and never assigns one.

A line means what its own document says. Lake Worth Beach's unit price schedule folds securing freestanding assets into its water extraction line, prices base molding and casing removal by the linear foot, and lists inspection and damage assessment and mobilization as one-time fees. C&R Magazine listed what estimates often omit in 2021: dust control barriers, HEPA scrubbers, carpet masking, dry patch lines, outlet resets. Restoration & Remediation warned in July 2026 about an estimate showing more air movers than the photos do, or a sketch that stops short of a room where a photo shows a meter. Your estimator will look first at items with no support in the file, authorizations that don't match the dates, property or parties, work found after demolition with no explanation of how it surfaced, and anything that reads like a coverage argument.

If your reviewer says yes, each new adjuster's scope gets the same comparison for about 30 days.

Your estimator reviews every draft and decides what goes out, under your company's name and by your usual route. Nothing reaches an adjuster or an owner until that person has approved it.

You'll have that month's fixed price before you sign. Anything that follows is a separate decision, priced on its own.