When supplemental work is identified, which requirement must be met before proceeding?

• A. Written approval is never required.
• B. Oral approval is sufficient.
• C. The insured's signature on the original estimate.
• D. Written approval when required.

Answer: (D)

Supplemental work must be authorized in writing when the policy or company rules require it. Securing written approval before performing the additional repairs ensures there is a clear, auditable agreement on the scope and cost, protecting both the insurer and the insured. Oral approval isn’t reliable for documenting the authorization, and the insured’s signature on the original estimate does not cover new or changed work. Therefore, the requirement is to obtain written approval when required.