Filing an insurance claim should be a solution—not a financial disaster waiting to happen. But did you know that filing too many claims could leave you with no insurance coverage at all?
At Panther Public Adjusting, we’ve seen homeowners in Florida make costly mistakes when dealing with insurance claims. Today, we’ll share a real-life cautionary tale of a homeowner who overloaded her policy with claims—and paid the ultimate price.
If you’re considering filing a claim, read this first. It could save you thousands of dollars and prevent you from losing your coverage altogether.
How Filing Too Many Claims Ruined One Homeowner’s Coverage
A Florida homeowner purchased her house in 2015, knowing that the roof was already 25 years old. Here’s where things went wrong:
🔹 First Claim: Denied!
- A year after buying her home, she noticed a roof leak and filed a claim.
- The insurance company denied her claim because of the roof’s age.
🔹 Second Claim: Small Payout
- A year later, she filed another claim, this time for hail damage.
- The insurance company denied roof coverage but paid a small amount for siding damage.
🔹 Third Claim: Following the Crowd
- She switched insurance companies for a lower premium.
- A few years later, she saw her neighbors getting new roofs through claims.
- She filed another claim—which was denied.
🔹 Fourth Claim: The Breaking Point
- Frustrated, she filed a fourth claim—which was also denied.
- The insurance company then refused to renew her policy.
💥 End result? She lost her coverage, and her only option was an expensive, high-risk policy—or no coverage at all.
Don’t risk getting dropped by your insurer. Call us before filing a claim → (833) 726-8437
Where Did She Go Wrong?
The biggest mistake this homeowner made was filing claims without expert guidance. A public adjuster could have:
✔ Advised her on which claims were worth filing.
✔ Prevented her from filing unnecessary claims that flagged her as high-risk.
✔ Fought for fair compensation on legitimate claims.
Many homeowners in Tallahassee, Fort Myers, St. Petersburg, and beyond don’t realize that insurance companies track every claim you file. Even if a claim is denied, it still counts against you!
Unsure if your claim is worth filing? Submit your policy for a free review →
When Should You File an Insurance Claim?
If you file too many claims or small claims that aren’t worth it, you could get dropped by your insurer or see your premiums skyrocket.
✅ File a Claim When:
✔ You have major damage (fire, storm, plumbing failure, etc.).
✔ The repair cost exceeds $5,000 to $10,000.
✔ The damage is sudden and accidental (not wear and tear).
✔ You have clear evidence to support your claim.
❌ Avoid Filing a Claim When:
🚫 The repair costs are barely above your deductible.
🚫 You don’t have clear evidence of a covered loss.
🚫 You’re filing because your neighbors did (your roof may not qualify).
🚫 You’ve already filed multiple claims in the past few years.
The best thing you can do? Consult a public adjuster before filing.
We can assess your claim and prevent costly mistakes. Call now → (833) 726-8437
How a Public Adjuster Protects Your Coverage
A licensed public adjuster helps homeowners avoid the nightmare of getting their insurance canceled due to excessive claims. Here’s how:
✔ We evaluate your damage before filing a claim.
✔ We ensure your claim is worth pursuing to prevent unnecessary risk.
✔ We fight for the highest payout so you get the coverage you deserve.
✔ We help you navigate Florida’s tricky insurance landscape.
Many homeowners in Hialeah, Cape Coral, and Gainesville have saved their policies by working with us before filing a claim.
Want to keep your insurance intact? Let’s review your policy →
Avoid Insurance Mistakes – Take These Steps
1️⃣ Read your insurance policy – Know what’s covered before filing.
2️⃣ Call a public adjuster – Get a free evaluation before making a decision.
3️⃣ Only file strong claims – Avoid unnecessary claims that could lead to cancellation.
4️⃣ Keep track of past claims – Filing too many claims within a few years raises red flags.
📌 Florida insurance companies are cracking down on repeat claim filers. Don’t make the mistake of filing just because you think you might get a payout. Get expert advice first!
Not sure if you should file a claim? Contact us today →
Final Thoughts: Protect Your Insurance and Your Wallet
This homeowner’s story is a harsh reminder that filing too many claims can cost you everything. By being strategic about when and how you file claims, you can:
✔ Protect your insurance coverage from cancellation.
✔ Keep your premiums from skyrocketing.
✔ Ensure you get the best possible payout when you need it most.
At Panther Public Adjusting, we help homeowners across Florida navigate insurance claims the right way. Whether you’re in Tallahassee, Fort Myers, St. Petersburg, Hialeah, Cape Coral, Gainesville, or anywhere else, we’ve got your back.
📩 Submit your policy for review →
📞 Call us today → 833-726-8437
💬 Contact us online →
Before you file, talk to a public adjuster. It could save your insurance—and your wallet. 🚀