Missing Items Insurance Claim

Why Items Get Missing From Claims

Insurance estimates routinely miss damage items. Sometimes this is accidental—the adjuster didn't see the damage. Often it's deliberate—the adjuster saw it but excluded it hoping you wouldn't notice. Either way, missing items cost you money.

Hidden Damage

Damage behind walls, under flooring, in attics, or in crawl spaces isn't visible during initial inspections. Adjusters only include what they can see. Contractors discover hidden damage during repairs, but by then you've already accepted a settlement that doesn't cover it.

Related Damage

Damage to one component often requires repairing related components. For example, replacing damaged drywall requires repainting the entire room for proper color matching. Adjusters often exclude these related repairs.

Secondary Damage

The initial damage event causes secondary damage. Water from a roof leak damages ceilings, walls, insulation, and flooring. Adjusters may only include the roof repair and exclude the secondary damage.

Overlooked Items

Adjusters conduct quick inspections and miss items. They may not check every room, may not look in closets or storage areas, or may not notice damage to fixtures, trim, or finishes.

Common Missing Items

Hidden Structural Damage

Damage behind walls, under floors, or in attics

Related Repairs

Painting, matching, or finishing work required for proper repair

Personal Property

Damaged belongings not included in initial inventory

Code Upgrades

Required building code compliance work

Fixtures and Finishes

Damaged trim, hardware, or finish details

Exterior Items

Fencing, landscaping, or outdoor structures

How to Identify and Recover Missing Items

Systematic review and documentation ensures all damage is included in your settlement.

Compare to Contractor Estimates — Contractors typically identify more damage than adjusters
Create a Comprehensive List — List every damaged item, even if it seems minor
Document Everything — Photograph and describe every missing item
Check All Areas — Inspect every room, closet, storage area, and exterior space
Look for Hidden Damage — Have contractors inspect behind walls and under flooring
Identify Related Repairs — List all work necessary to properly complete repairs
File Supplemental Claims — Submit formal requests to add missing items to your claim
Provide Supporting Documentation — Include photos, contractor assessments, and detailed descriptions
Request Re-Inspection — Ask the adjuster to return and review missing items
Track Discovered Damage — As contractors uncover additional damage, document and claim immediately

Frequently Asked Questions

Can I add items after the initial estimate?

Yes. File supplemental claims for items that were missed. You can add items throughout the claim process as damage is discovered.

What if I've already accepted the settlement?

If you haven't signed a full release, you may be able to file supplemental claims for items that were missed. If you signed a release, your options are limited.

How do I prove items were damaged?

Provide photos, contractor assessments, and detailed descriptions. For hidden damage, document it as soon as contractors uncover it.

What if the adjuster says missing items aren't covered?

Challenge this with evidence showing the items were damaged by the covered event. Get contractor opinions supporting your position.

How long do I have to add missing items?

Timeframes vary by policy. Most allow supplemental claims within one year of the loss date, but check your specific policy.