Underpaid Claims
The estimate looks detailed. The scope is not. Missing materials, labor, and code items can cost you thousands.
LICENSED PUBLIC ADJUSTER · EST. 2024YOUR INSURER HAS AN ADJUSTER.
YOUR INSURER HAS AN ADJUSTER.
NOW YOU HAVE ONE TOO.
Licensed public adjusters who fight for the full value of your claim, not the insurance company’s lowball offer.
No upfront fee. No obligation. No carrier loyalty.$0UPFRONT
PAIDONLY WHEN YOU ARE
100%FREE CLAIM REVIEW
RES + COMALL PROPERTY TYPES
THE PROBLEM
THEIR ADJUSTER PROTECTS THEIR MONEY.
Insurance companies employ trained adjusters to control claim costs. Most owners accept the first offer without knowing what the policy actually covers. That is exactly how damage gets missed and claims get shorted.
Denied Claims
A denial letter is the carrier’s position, not always the final word. We test it against the facts and the policy.
Delayed Claims
Endless requests and silence wear owners down. We organize the file and keep pressure on the process.
Think your claim is short? Let’s look at the numbers.
HOW WE HELP
WE BUILD THE CLAIM THEY SHOULD HAVE BUILT.
The full loss, documented from the ground up.
Free Policy & Damage Review
Full Documentation & Independent Estimate
Negotiation With Your Carrier
Settlement & Payout
You handle the property. We handle the carrier.
CLAIM TYPES
DAMAGE DOESN’T STAY IN ONE CATEGORY.
Roof & Storm DamageWater & FloodFire & SmokeWind & HailMoldVandalism / TheftCommercial PropertyBusiness InterruptionDenied & Underpaid ClaimsReopened Claims
Think your claim is short? Let’s look at the numbers.
BEFORE / AFTER
THE FIRST NUMBER WASN’T THE RIGHT NUMBER.
Illustrative case-file figures show how missed scope can change a claim.
Storm / Roof682%
Single-family home · [SERVICE AREA]
INITIAL OFFER$6,200
FINAL SETTLEMENT$48,500
What was missed: Full roof deck replacement, code upgrades, and interior water damage were left out.
Illustrative placeholder result. Outcomes vary by policy and loss.Water / Pipe486%
Townhome · [SERVICE AREA]
INITIAL OFFER$14,000
FINAL SETTLEMENT$82,000
What was missed: The original estimate missed wet insulation, subfloor damage, and required mold remediation.
Illustrative placeholder result. Outcomes vary by policy and loss.Commercial Fire271%
Retail building · [SERVICE AREA]
INITIAL OFFER$310,000
FINAL SETTLEMENT$1,150,000
What was missed: Smoke migration, equipment loss, and business interruption were materially understated.
Illustrative placeholder result. Outcomes vary by policy and loss.Wind Damage423%
Coastal residence · [SERVICE AREA]
INITIAL OFFER$22,000
FINAL SETTLEMENT$115,000
What was missed: Window systems, roof assembly, and current-code requirements were omitted.
Illustrative placeholder result. Outcomes vary by policy and loss.VandalismReversed
Rental property · [SERVICE AREA]
INITIAL OFFER$0 (Denied)
FINAL SETTLEMENT$38,000
What was missed: The carrier applied a neglect exclusion without documenting the actual cause of loss.
Illustrative placeholder result. Outcomes vary by policy and loss.Kitchen Fire267%
Single-family home · [SERVICE AREA]
INITIAL OFFER$45,000
FINAL SETTLEMENT$165,000
What was missed: Matching cabinetry, soot remediation, contents, and HVAC cleaning were excluded.
Illustrative placeholder result. Outcomes vary by policy and loss.Want to know what may be missing from your estimate?
WHY VIKING
ONE SIDE. YOURS.
We Work For You, Not the Insurer
No Recovery, No Fee
Licensed & Bonded
We Read Every Line Of Your Policy
Independent Damage Estimates
Direct Access To Your Adjuster
Think your claim is short? Let’s look at the numbers.
CLIENT WORDS
WHEN THE NUMBERS FINALLY MAKE SENSE.
“The carrier called it a repair. Viking documented why the full roof system had to be replaced. The difference changed everything.”
“I was done chasing callbacks. Viking took over the claim, explained every move, and found damage the first inspection missed.”
“Our business could not sit half-open for months. They built the interruption claim and kept the carrier at the table.”
Think your claim is short? Let’s look at the numbers.
STRAIGHT ANSWERS
WHAT PROPERTY OWNERS ASK US.
BEFORE YOU SIGN OR SETTLE
DON’T ACCEPT THE FIRST OFFER.
A free claim review can show you what the carrier’s estimate left out.
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