TL;DR: Florida homeowners: After a hurricane, your insurance company may not be as helpful as they seem. From hidden policy loopholes to delayed payouts and lowball offers, you need a public adjuster like Panther Public Adjusting on your side from Day One. This guide reveals the top 5 secrets insurance carriers don’t want you to know and shows how our team helps homeowners in cities across Florida get the settlements they deserve.
When a hurricane strikes your Florida home, the physical damage is just the beginning. The real storm often begins afterward—when you file your insurance claim. While many policyholders assume their insurance provider is there to help, the truth is that carriers are more focused on protecting their bottom line than restoring your home. That’s why working with a public adjuster from the start is critical.
In this post, Mendy from My Insurance Claim Expert, powered by Panther Public Adjusting, reveals the five hurricane claim secrets your insurance company hopes you never learn.
1. Your Policy Isn’t As Straightforward As It Looks (Fort Lauderdale, FL)
Most Florida homeowners believe their policy covers hurricane damage, including wind, roof leaks, and water intrusion. But the fine print tells a different story.
Enter the Anti-Concurrent Causation Clause: This clause allows insurers to deny your claim if two events caused the damage—even if one of them is covered. For example, if both wind and flood contributed to your loss, your insurance company might deny the entire claim.
This clause is often buried deep in your policy, and many homeowners don’t realize how damaging it can be until their claim is denied.
Don’t wait until it’s too late. Contact Panther Public Adjusting at 833-726-8437 or Claims@PantherPA.com to review your policy before the next storm hits.
2. Depreciation Can Cut Your Payout in Half (Hialeah, FL)
Let’s say your roof will cost $20,000 to replace. Your insurer may claim it’s only worth $9,000 due to depreciation.
That’s like getting paid for a used car when your house clearly needs a new one.
These lowball estimates are part of a broader playbook designed to minimize payouts. The only way to ensure you’re getting every dollar you’re owed is to have a public adjuster on your side who understands the insurance company’s tactics.
If you’re in Tampa, you’re not alone. Learn how Tampa’s #1 Public Adjusters helped homeowners fight back and win big.
3. Delays, Denials & Lowball Offers Are Intentional (Cape Coral, FL)
Insurance companies know most homeowners are overwhelmed after a disaster. They use this vulnerability to their advantage by delaying communication, issuing partial payments, or outright denying valid claims.
One client in Sarasota received an offer of just $618 after a Category 5 hurricane destroyed her home. Once Panther Public Adjusting stepped in, we secured a payout of $68,000—enough to restore her property to pre-loss condition.
We cover more incredible outcomes in our article, How Panther Increased a Hurricane Ian Claim from $42K to $250K.
Don’t fall for delay tactics. If your insurer is stalling, call us immediately at 833-726-8437.
4. You Should Never Sign a Release Without a Second Opinion (Port St. Lucie, FL)
Many homeowners don’t realize that once they sign a release or settlement agreement, their claim is effectively closed.
Never sign anything without expert review. These documents are designed to protect the insurer, not you.
At Panther Public Adjusting, we offer free claim reviews to help you avoid irreversible mistakes. Email us at Claims@PantherPA.com to submit your policy or claim documents for expert analysis.
If you’re in Venice, explore how our Venice FL Public Adjusters fight to secure every dollar you’re owed.
5. You Need an Expert From Day One (Gainesville, FL)
Just like you wouldn’t walk into court without a lawyer, you shouldn’t file an insurance claim without a public adjuster.
Panther Public Adjusting speaks the insurer’s language, knows their tactics, and ensures your damages are thoroughly documented and aggressively negotiated.
If you’re located in Saint Petersburg, check out how our top public adjusters are protecting local homeowners.
Real People. Real Results. (Miami, FL)
In one case, a client was denied coverage entirely due to “pre-existing damage.” Panther dug through records, pulled footage, and overturned the decision, winning a full payout. These are not rare victories—they happen every day with the right team on your side.
Final Thoughts: Don’t Fight Alone (Orlando, FL)
Your insurance company has a team of experts working against you. Shouldn’t you have someone working for you?
Take action now:
- Call us at 833-726-8437
- Email your claim to Claims@PantherPA.com for a free review
- Contact us today at pantherpa.com/#contact to schedule your consultation
For more tips and real-life claim breakdowns, subscribe to our YouTube channel, My Insurance Claim Expert, and join our Facebook community, Anything About Property Insurance Claims 101 to stay ahead of the game.
If your claim is dragging on, read our post, Don’t Let Your Home Insurance Claim Drag On to find out how to speed things up.
Don’t wait for another storm to find out you’re under-protected. Panther Public Adjusting is here to make sure you get every dollar you deserve.
Frequently Asked Questions
1. What is an anti-concurrent causation clause and how can it affect my claim?
This is a clause in many insurance policies that allows the insurer to deny coverage if two causes—one covered and one not—contribute to the loss. For example, if wind (covered) and flood (not covered) both damage your home, they may deny the whole claim.
2. How can I avoid signing something that limits my claim?
Never sign a settlement or release from your insurer without a second opinion. Contact Panther Public Adjusting at Claims@PantherPA.com for a free review before making any decisions.
3. Why should I hire a public adjuster instead of handling my claim myself?
Insurance companies have teams trained to pay out as little as possible. A public adjuster levels the playing field, making sure your damage is properly documented and your settlement is maximized. Panther Public Adjusting only gets paid when you do.