TL;DR: A Florida homeowner received a lowball $30K insurance offer after storm damage. Panther Public Adjusting stepped in, brought in engineers, documented the full damage, and negotiated a $220K payout. If your insurer is underpaying, don’t wait—call us.
When disaster strikes your home, the last thing you should have to worry about is whether your insurance company will do right by you. But too often, that’s exactly what Florida homeowners face: confusing policies, lowball offers, and overwhelming processes. At Panther Public Adjusting, we make sure you’re not alone—and we fight to ensure your insurance claim gets the settlement you deserve.
In this powerful case study, we walk you through how one homeowner went from a shocking $30,000 insurance offer to a final settlement of $220,000, all thanks to strategic action, expert support, and Panther Public Adjusting leading the charge.
The Incident: Storm Damage Cripples a Florida Home
A major storm swept through Florida, toppling trees and tearing through properties. One massive tree came crashing down on a homeowner’s house, cracking the foundation, damaging the roof, and tearing into the side of the structure. Inside, the damage was equally severe—compromising walls, flooring, and electrical systems.
Like many responsible homeowners, the client did the seemingly right thing: he called his insurance company and walked their adjuster through the property.
The result? A meager offer of $30,000—not nearly enough to repair the extensive storm-related damage.
Calling in the Experts: Panther Public Adjusting Steps In
Fortunately, this homeowner’s father had previously worked with Panther Public Adjusting and knew exactly who to call. The homeowner reached out to us, and we immediately got to work.
Our process began with full-scale documentation of the damages—not just a casual walk-through, but a professional assessment involving:
- High-resolution photos of all visible damage
- Notes on structural integrity
- Expert evaluations of hidden or developing damage
We also brought in a licensed engineer to document the foundation issues and create a detailed report supporting the cost of bringing the home back to its pre-loss condition.
Looking to be proactive with your claim? Don’t miss our expert guide on how to boost your claim savvy.
Strategic Negotiation: Not Just Pushing Paper
Panther Public Adjusting isn’t just about filling out forms—we go to bat for you.
Once we had all the documentation and estimates, we reached out to a high-level contact within the insurance company. Because of our track record and reputation, we were able to secure a second inspection by a more experienced adjuster.
This time, the truth was undeniable: the property had suffered extensive, legitimate, and fully covered damage.
That second adjuster’s report, combined with our engineering documentation, forced the insurer to reevaluate their initial lowball offer.
The Final Outcome: A $220,000 Win 🎉
From an insulting $30,000 offer to a $220,000 payout, our client got what they deserved—nothing less.
This wasn’t luck. This was strategy, advocacy, and expertise.
Don’t accept the first check you’re offered. Insurance companies are counting on your inexperience. Get someone on your side who understands how to fight back.
Call us at 833-726-8437 or email us your policy today.
Why You Should Never Handle a Storm Claim Alone
Storm damage claims are among the most denied and underpaid in the state of Florida. Many homeowners don’t know what’s covered—or worse, assume their insurance company is on their side.
But the truth is: your insurance company has adjusters and lawyers working for them. Shouldn’t you?
At Panther Public Adjusting, we advocate for you, ensuring:
- Full damage evaluation
- Expert engineering when needed
- Negotiation with experienced claim handlers
- Complete representation through the entire claims process
Don’t let the depreciation clause in your policy rob you of your full payout. Learn more about how depreciation affects your settlement.
Florida Cities We Serve
Panther Public Adjusting proudly serves cities across Florida, including:
- Tampa
- Sarasota
- Miami
- Englewood
- Venice
- Ruskin
- Saint Petersburg
- Palmetto
Homeowners in Englewood, Palmetto, and Saint Petersburg already trust us with their claims. Shouldn’t you?
What To Do If You’ve Had Property Damage
Whether it’s from a hurricane, storm surge, roof leak, or fire, your first step should be to call Panther Public Adjusting. Don’t wait for the insurance company to dictate the terms.
Check out our step-by-step hurricane damage checklist to make sure you’re not missing a critical part of your claim.
And if you’re just getting started? Here’s what to expect when filing your first claim.
Additional Resources for Homeowners
- Dealing with a leak? Learn how to manage home leaks like a pro.
- Wondering about claim timelines? Read our public adjuster tips.
- Concerned about your policy being canceled? Understand your rights.
- Want to prevent future damage? See our guide on regular home inspections.
Call to Action: Get the Help You Deserve
If you think your insurance company is underpaying or delaying your claim, it’s time to bring in the professionals.
đź“ž Call us now: 833-726-8437
📧 Email us your policy: Claims@PantherPA.com
đź’¬ Contact us online: Our team is ready to fight for you
Have a friend or neighbor dealing with property damage? Send them to our YouTube channel for tips and real success stories.
Or join thousands of others in our helpful Facebook group, Anything About Property Insurance Claims 101, where we answer questions and provide valuable advice daily.
At Panther Public Adjusting, we don’t take no for an answer—and neither should you. Let’s fight for the payout you deserve.
Start your claim today!
FAQs
Q1: What is a public adjuster and how can they help me?
A public adjuster is a licensed insurance professional who represents the homeowner—not the insurance company. They assess damages, document claims, and negotiate with your insurer to help you receive the highest possible payout.
Q2: Will hiring a public adjuster delay my insurance claim?
No. In fact, hiring a public adjuster can often speed up the process by ensuring all documentation is submitted properly and the insurer is held accountable.
Q3: Do I pay out of pocket for a public adjuster?
Most public adjusters, including Panther Public Adjusting, only get paid a small percentage of your claim once you get paid. There are no upfront fees in most cases.
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