VIKINGPUBLIC ADJUSTERS
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CLAIM SERVICES

WE FIND WHAT THEIR ESTIMATE LEFT OUT.

Every damaged surface. Every policy provision. Every dollar required to put the property back.

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TWO TRACKS. ONE STANDARD.

Built for the full loss.

Residential and commercial claims demand different evidence. Both demand complete documentation and relentless follow-through.

RESIDENTIAL CLAIMS

Your home is not a line item.

Carrier estimates are built for speed and cost control. Ours are built around what it actually takes to restore your property.

Roof, Wind & Hail

COMMONLY UNDERPAID
Partial repairs, mismatched materials, steep-slope labor, and code upgrades.
WHAT WE DOCUMENT
Every elevation, test square, damaged component, and required building-code item.
WATCH FOR
A repair estimate on a roof that cannot be matched or warranted.

Water & Flood

COMMONLY UNDERPAID
Hidden moisture, continuous flooring, cabinetry, and microbial remediation.
WHAT WE DOCUMENT
Moisture mapping, source, demolition scope, dry-out records, and affected finishes.
WATCH FOR
A quick surface-only estimate before the assembly is fully investigated.

Fire & Smoke

COMMONLY UNDERPAID
Smoke migration, contents, deodorization, electrical, and HVAC cleaning.
WHAT WE DOCUMENT
Room-by-room damage, soot pathways, contents inventory, and specialized restoration needs.
WATCH FOR
Cleaning allowances where safe restoration actually requires replacement.

Mold, Vandalism & Theft

COMMONLY UNDERPAID
Cause-of-loss work, remediation protocols, stolen contents, and security repairs.
WHAT WE DOCUMENT
Conditions, causation, inventories, expert reports, and every affected material.
WATCH FOR
Broad exclusions applied before the facts are fully developed.
Do not let a rushed inspection set the value of your home.
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COMMERCIAL CLAIMS

Protect the property. Protect the operation.

We document building damage, equipment, inventory, extra expense, and lost income as one coordinated claim.

Roof, Wind & Hail

COMMONLY UNDERPAID
Partial repairs, mismatched materials, steep-slope labor, and code upgrades.
WHAT WE DOCUMENT
Every elevation, test square, damaged component, and required building-code item.
WATCH FOR
A repair estimate on a roof that cannot be matched or warranted.

Water & Flood

COMMONLY UNDERPAID
Hidden moisture, continuous flooring, cabinetry, and microbial remediation.
WHAT WE DOCUMENT
Moisture mapping, source, demolition scope, dry-out records, and affected finishes.
WATCH FOR
A quick surface-only estimate before the assembly is fully investigated.

Fire & Smoke

COMMONLY UNDERPAID
Smoke migration, contents, deodorization, electrical, and HVAC cleaning.
WHAT WE DOCUMENT
Room-by-room damage, soot pathways, contents inventory, and specialized restoration needs.
WATCH FOR
Cleaning allowances where safe restoration actually requires replacement.

Mold, Vandalism & Theft

COMMONLY UNDERPAID
Cause-of-loss work, remediation protocols, stolen contents, and security repairs.
WHAT WE DOCUMENT
Conditions, causation, inventories, expert reports, and every affected material.
WATCH FOR
Broad exclusions applied before the facts are fully developed.

Business Interruption

We connect the physical loss to lost revenue, continuing expenses, extra expense, and the real timeline required to resume operations.

A thin estimate can put the whole business at risk.
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THE PROCESS

Four steps. No guesswork.

You tell us what happened. We handle the inspection, paperwork, pricing, and carrier pushback.

01

Free policy & damage review

We read the policy, inspect the loss, and tell you plainly whether we can add value.

First conversation
02

Document the full scope

We photograph, measure, inventory, estimate, and connect each item to the covered loss.

Days to weeks, based on complexity
03

Negotiate with the carrier

We submit the package, answer requests, attend inspections, and challenge missing or underpriced work.

Varies by carrier and claim
04

Settlement and payout

We track the agreement and payment. Our fee is due only when recovery is made.

After carrier resolution
Think your claim is short? Let’s look at the numbers.
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CONTINGENCY FEE

We get paid when you do.

There is no upfront fee for our work. Our agreed fee is a percentage of the claim recovery and is explained before you sign. If there is no recovery, there is no fee.

Fee limits and terms vary by jurisdiction and event. Your written agreement controls.

$0UPFRONT

No hourly invoices. No surprise retainers.

CLEAR RESPONSIBILITIES

Your part is small. Ours is not.

You provide

  • Your policy and carrier letters
  • Access to inspect the property
  • Photos, receipts, and repair records you have
  • Your account of what happened

Viking handles

  • Policy and coverage review
  • Damage documentation and estimates
  • Carrier calls, meetings, and inspections
  • Negotiation, follow-up, and claim tracking
Think your claim is short? Let’s look at the numbers.
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WHEN THE CARRIER REFUSES

We do not confuse “no” with “final.”

We identify the disagreement, support the missing scope, request reconsideration, and use the policy’s available dispute paths. If legal or specialized expert help is needed, we tell you directly and coordinate with professionals you choose.

CASE FILES

Missed scope. Corrected numbers.

Figures below are realistic placeholders for layout and must be replaced with verified client results before publication.

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.
Your claim deserves the same line-by-line scrutiny.
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FREE CLAIM REVIEW

DON’T LET THEIR FIRST ESTIMATE BECOME YOUR FINAL CHECK.

Get a free, no-obligation review before you accept less than your claim is worth.

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