Veritas Public Adjusting

09/07/2026

Why Most Insurance Claims Get Underpaid, and How We Prevent It!

When a storm hits or damage occurs, homeowners expect their insurance company to step in and make things right. But the truth is this: Most claims are underpaid long before a public adjuster ever gets involved.

Here’s the why and how Veritas Public Adjusting protects you from becoming another statistic.

1. Incomplete or Rushed Inspections

Insurance adjusters often perform quick, surface-level inspections. This leads to:

• Missed damages
• Incorrect repair scopes
• Oversimplified estimates

Our detailed damage assessment ensures we review every covered item that they are documented; this includes items often overlooked by the carriers.

2. Improper Repairability Assumptions

One of the biggest causes of underpayment is the assumption that damaged shingles or materials can be “spot repaired.” Carriers typically do not perform any testing and proceed on the assumption of “repairable”. This can lead to your underpaid claim!

Our certified shingle repairability testing provides scientific, documented proof of whether repairs are possible.

3. Policy Language Misinterpretation

Policies are complex. Carriers often interpret exclusions, endorsements, and code requirements in ways that benefit them, not you.

Our comprehensive policy review breaks down your coverage, so your claim is built on what your policy actually promises.

4. Missing Code Upgrades & Required Standards

Many claims are underpaid simply because adjusters fail to include:

• Required building codes
• Manufacturer specifications
• Local compliance standards

We ensure your estimate reflects real-world repair requirements, including all enforced code requirements.

5. Lack of Expert Support

Most homeowners don’t have access to:

• Engineers
• Meteorologists
• Building consultants
• Attorneys (when necessary)

We do. Our winning team gives us every tool needed to challenge improper denials, incomplete scopes, and lowball offers.

6. Negotiation Without Advocacy

If you don’t know what your claim is truly worth, you can’t negotiate effectively. Insurance companies count on that.

Our expert negotiation ensures you receive the full, fair settlement your policy provides.

The Bottom Line

Most claims aren’t underpaid because homeowners do something wrong with them. They’re underpaid because the system is built to minimize payouts.

At Veritas Public Adjusting, we make sure your claim reflects:

• The true scope of your damage
• The actual requirements for repair
• The full value of your policy

Truth. Precision. Advocacy. That’s the Veritas way.

If you would like a free review of your current claim or policy, please feel free to give us a call or send us an email to:

Email: [email protected]
Office: (844) 872-2561

Call now to connect with business.

08/28/2026

🚨 MAJOR CLAIM VICTORY FOR OUR CLIENT 🚨

When disaster strikes, every policyholder deserves a team that refuses to settle for less than what the policy promises. This recent settled tornado loss is a perfect example of why hiring an experienced public adjusting matters.

Our client was originally awarded, after going at it alone, a total RCV of $79,444.82. This was paired with a Paid When Incurred (PWI) Matching Endorsement capped at $10,000! The carrier attempted to apply the remaining $12,817.26 toward the deductible amount, leaving the homeowner with a $4,743.26 shortage for necessary shingle replacement!

Luckily, she knew the right people, who knew the right Public Adjusters.

After our full structural analysis, comprehensive review of all claim file documentation, and a well-documented challenge to the carrier’s position, we were able to prove:

• The PWI Matching Endorsement was misapplied!
• The roof qualified for full replacement under the policy.
• Significant structural damage existed across the dwelling, thus drastically increasing the cost of repairs.
• The initial scope failed to capture the true extent of tornado impact to their whole farm/property.

What was our final result?

🔥 Final Approved RCV: $240,262.19 🔥This was a total increase of 314%!!! 🔥 Full removal of the PWI endorsement

This is what happens when policyholders have an advocate who knows the policy, knows the proper repair techniques, and knows how to negotiate for what’s right.

If your home or business has suffered storm damage, this includes all covered perils from tornadoes, hail, fire, or water, don’t navigate the claim alone. Let Veritas Public Adjusting ensure you’re paid what you’re owed, not what the carrier hopes you’ll accept.

Give us a call today - 844-872-2561 or visit our website at veritaspublicadjusting.com and send us your info!

08/21/2026

Hello Everyone!

When introducing ourselves or our company, we are often met with the question, "What is a Public Adjuster or PA?" So we decided to start a little series on who we are, the technical expertise we can bring to your claim, and some success stories!

Most people don’t realize this… when you file an insurance claim, the claims adjuster sent by the insurance company works for them, not for you.

Public Adjusters (PA) are the professionals who level the playing field. That means when you hire an adjuster here at Veritas Public Adjusting, we represent you, the policyholder!

What Does a PA At Veritas Actually Do?

• Detailed Damage Assessment — We identify all covered damages, big and small, using industry-standard documentation and technical precision.

• Comprehensive Policy Review — We break down your declarations, endorsements, exclusions, and code coverage requirements so you know exactly what your policy promises.

• Expert Negotiation — We advocate relentlessly for the full, fair value of your claim.

• Dispute Resolution — When you and your carrier disagree, we offer appraisal and umpire services to resolve disputes fairly.

• Certified Shingle Repairability Testing — Our certified assessor provides scientific, documented proof of whether shingles can truly be repaired, protecting you from improper denials or inadequate scopes.

• Built a Winning Team — We’ve built a strategic network of specialists that includes engineers, meteorologists, consultants, and, when absolutely necessary, attorneys.

This gives us every tool needed to win your claim and protect your rights.

We handle everything so you don’t have to. You focus on rebuilding; we focus on results.

Why This Series Matters

Insurance claims are complex, and most homeowners only learn the process after disaster strikes. This series will help you understand:

• What a Public Adjuster is
• How we protect homeowners and business owners
• How the claims process really works
• How appraisal and dispute resolution can save a claim
• How technical testing (like shingle repairability) impacts your settlement
• Real success stories from our firm with real results

05/24/2026

Meet our team! Mike & Matt are ready and able to help with any of your claim needs!

Give us a call if you have suffered any storm damage and need assistance navigating your claim.

918-995-0569