What if TWIA’s claim payment isn’t enough?

If you are not able to repair or replace your covered damaged property for the amount in TWIA’s claim assessment, you may be entitled to supplemental (additional) claim payments. There are deadlines that apply to requesting supplemental payments. Please read your policy and claim letters and discuss with TWIA any deadlines that may apply to you.

Do not wait to cash your first check. Any additional payment will come in the form of another check.

How to Request a Supplemental Payment

1. Gather detailed contractor estimates, any other estimates, and receipts for the cost to repair or replace your damaged property.

  • When gathering contractor and other estimates, please request line item estimates that break down and show labor and material costs (rather than a single cost or lump sum estimate). With a detailed estimate, TWIA can quickly compare your estimate to our own and identify any differences.
  • Please request contractor estimates that reflect repairs and replacements of a similar kind and quality as the original property. This will allow us to accurately compare your estimates against our own.
  • Feel free to share TWIA’s estimate with your contractor or anyone else you are working with.

2. Submit your estimates and documentation of the damage to TWIA through Claims Center or the Policyholder Portal. If you experience issues using Claims Center or the Policyholder Portal, you can email documents to claims@twia.org (include your claim number in the subject line); communicating by email may result in slower response times. For the sake of security and efficiency, only policyholders - not their contractors - should email information and documents to TWIA. We will review your estimates against our own and issue a supplemental payment if warranted.


If you disagree with TWIA’s claim assessment and payment, please contact us so we may attempt to address any needs. If we are unable to resolve the disagreement, the claims notice letter that is mailed to policyholders as a part of the claims process (titled either: Notice of Claim Acceptance, Notice of Claim Denial, or Notice of Claim Acceptance in Part and Denial in Part) outlines options to formally dispute covered claims using a process called "appraisal."

Under normal circumstances, you will have 60 days from the date you receive the notice letter to request appraisal. Policyholders with replacement cost coverage will have additional time to request appraisal. That timeline will be included in the notice letter.

Learn more about the appraisal process.

For More Information

Please contact your insurance agent if you have any questions about your policy and the coverages it provides. If you have a TWIA claim you would like to discuss, contact us through Claims Center or the Policyholder Portal or by calling (800) 788-8247.

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