Make the new finding reviewable
Ask the contractor to identify its location, what was exposed, why it was not included earlier, and how it affects the proposed repair. Preserve photographs and relevant records before the condition is covered, subject to safe work and necessary protective measures.
Ask the insurer about its process
- Where should the revised estimate and supporting documents be submitted?
- Does the insurer want another inspection before the affected permanent work?
- Which items are accepted, still under review, or disputed?