[Date] State Farm Insurance — Claims Department Re: Supplemental Claim — Claim No. FL-2025-447782 Insured: [Brennan policyholders] | Property: [insured address], FL Date of Loss: September 26, 2025 (Hurricane Helene) To the Claims Representative: This firm represents the above policyholders as their licensed Florida public adjuster (Marcus Holt, License No. A123456) pursuant to a signed Letter of Representation on file, dated December 8, 2025. On November 12, 2025, your office issued an estimate of $48,200 (RCV) covering roof replacement, drywall in three bedrooms, and associated painting. On December 18, 2025, I conducted a comprehensive inspection of the property, accompanied by Apex Restoration (roofing contractor) and Apex IAQ (certified indoor-air-quality hygienist). That inspection, together with conditions exposed during roof tear-off, identified the following items not included in the original estimate. We submit them as a formal supplemental claim. 1. Attic insulation — replacement. The attic insulation (R-38 blown cellulose, approximately 1,400 sq ft) was found fully saturated and unsalvageable based on moisture-meter readings taken during the December 18 inspection. Remove and replace per the attached Apex Restoration estimate. $3,800 (RCV). 2. Roof decking — north slope. During shingle removal, Apex Restoration documented delamination of the roof decking across approximately 280 sq ft on the north slope — damage not visible until the existing shingles were removed. Replacement per Florida Building Code (IRC R905.2.1). $2,100 (RCV). 3. Guest bathroom subfloor. Sustained moisture intrusion rotted the upstairs guest-bath subfloor (moisture-meter readings exceeding 28%, with visible decay documented December 18). Replace subfloor; detach and reset toilet and vanity for access. $3,400 (RCV). 4. Mold remediation — master bedroom (north wall). Apex IAQ's hygienist report (attached, with laboratory results) documents Stachybotrys on the north-facing wall studs, constituting Category 3 contamination under the IICRC S520 standard. Remediation includes containment, HEPA air filtration, removal of affected materials, and post-remediation verification. $5,800 (RCV). Total supplemental amount requested: $15,100 (RCV). Enclosures: (1) December 18, 2025 inspection photo log; (2) Apex Restoration itemized estimate; (3) Apex IAQ inspection report and laboratory results; (4) moisture-meter documentation. We request your written response and a supplemental payment determination within 30 days of receipt. If these items are not addressed within that period, the policyholders intend to invoke the appraisal provision of the policy to resolve the amount of loss in dispute. Respectfully, Marcus Holt Licensed Public Adjuster — Florida License No. A123456 [Firm / contact] [Florida-required public-adjuster disclosure — insert practice's standard footer] cc: [Brennan policyholders]