✅ TL;DR – What Homeowners Should Know
Most homeowners don’t realize that their insurance adjuster actually works for the insurance company, not for them. This creates a built-in conflict of interest where most claims end up undervalued due to limited scope, excessive depreciation, and outdated labor pricing. That’s why it’s crucial to have someone in your corner who truly represents you. Public adjusters, like the experts at Panther Public Adjusting, work exclusively for homeowners to ensure you receive every dollar you deserve and the best part is, they don’t get paid unless you do. Before you accept any settlement, always get a free second opinion to make sure you’re not leaving money on the table.
When disaster strikes your home, whether it’s a storm, fire, or water damage, your first call is usually to your insurance company. You expect help, guidance, and fairness. But what if the person inspecting your damage isn’t actually working for you?
I’m Mendy with My Insurance Claim Expert, brought to you by Panther Public Adjusting, where we stand up for homeowners when the insurance company plays dirty. 💪
In this post, we’ll expose how the insurance claim system is built to undervalue your payout, reveal the three tactics adjusters use every day, and explain how a public adjuster can help you fight back and get what you’re truly owed.
🏠 The Hidden Truth About Insurance Adjusters
You’ve probably seen the commercials, the friendly adjuster who shows up after a storm, clipboard in hand, promising to make everything okay.
But here’s the truth: your insurance adjuster doesn’t work for you.
Even if they seem kind, professional, or understanding, they’re paid by the insurance company, not by you. Their loyalty is to the people writing the checks, not to the homeowner facing thousands of dollars in damages.
That’s where the real conflict begins.
⚙️ How the System is Built to Undervalue Your Claim
Most homeowners believe insurance is designed to help them recover. In reality, the system is structured to protect the insurance company’s bottom line.
The adjuster’s job isn’t to find every bit of damage. It’s to limit liability and often, that means minimizing what gets written into your claim report.
Common tactics include:
✅ Overlooking hidden damages (like moisture trapped behind walls).
✅ Downplaying repair costs or cutting corners on labor pricing.
✅ Ignoring code upgrades required by law.
This isn’t necessarily because the adjuster is “bad”, it’s because they’re following a playbook that benefits their employer, not you.
💣 3 Ways Insurance Companies Undercut Homeowners Every Day
At Panther Public Adjusting, we review hundreds of claims every year. Time after time, we see the same three patterns, subtle tricks that reduce payouts for honest homeowners.
1️⃣ Scope — The Art of Minimizing Damage
An insurance adjuster’s scope of loss determines how much gets covered. If they document only part of the damage, say, one wall instead of an entire room, your payout drops dramatically.
2️⃣ Depreciation — The Hidden Math Trick
Depreciation should reflect the age and condition of materials. But many insurers apply excessive depreciation, shrinking your payout even more.
We’ve seen cases where a roof replacement was depreciated so heavily it didn’t even cover half the actual cost, despite being code-required.
3️⃣ Cheap Labor Pricing — The Outdated Rate Game
Many estimates use old pricing databases that don’t reflect current market costs. Roofing, flooring, and contractor prices have skyrocketed, but insurers still calculate based on outdated rates.
In some states, this isn’t just unfair… it’s borderline illegal.
If you’ve received a lowball estimate, it’s time to get a free second opinion from the experts at Panther Public Adjusting.
📞 Call 833-726-8437
📧 Email Claims@PantherPA.com
📱 Or visit PantherPA.com/#contact
🦾 Why Homeowners Choose Panther Public Adjusting
Unlike insurance company adjusters, public adjusters work exclusively for YOU.
At Panther Public Adjusting, our mission is simple, to level the playing field and make sure homeowners get every dollar they’re entitled to.
Here’s how we do it:
✅ Perform a full inspection with your best interest in mind.
✅ Document every bit of damage with photos, reports, and code references.
✅ Negotiate directly with the carrier to recover the full, fair settlement you deserve.
And here’s the best part, we don’t get paid unless you do. 💰
That’s the kind of accountability you’ll never get from the insurance company.
📍 Real Help for Florida Homeowners
From Miami to Englewood, Ruskin, and Saint Petersburg, Panther Public Adjusting helps Florida homeowners every single day fight unfair claims and recover from property damage.
If you live in Palmetto, check out how our leading public adjusters fight for your maximum settlement.
Or if you’re a homeowner in Sarasota, see how our premier public adjusters maximize your insurance payout.
Every city, every home, every story, we’re here to fight for you.
🧠 Want to Learn More About Protecting Your Claim?
Check out some of our most popular homeowner resources:
- Don’t Let Your Insurance Company Get Away With This Trick: Know Your Rights
- How I Turned $618 Into $68,000 for Wendy — The Power of Public Adjusting
- Why Your Roofer Can’t Handle Your Insurance Claim
These stories show exactly how homeowners like you can take back control of their claims and win.
📺 Learn from the Experts
Want to see how public adjusters work behind the scenes?
Subscribe to our YouTube channel, My Insurance Claim Expert, where Mendy breaks down real claims, tips, and success stories to help Florida homeowners protect themselves.
Watch here: My Insurance Claim Expert on YouTube
And if you want to connect with thousands of homeowners who’ve faced the same struggles, join our Facebook community, Anything About Property Insurance Claims 101.
It’s a place to ask questions, share experiences, and get real answers from the pros.
💬 Don’t Leave Money on the Table
The next time your adjuster says, “This should cover it,”, you’ll know better.
Get a second opinion. Protect your home. Fight back with facts and professionals on your side.
📞 Call now: 833-726-8437
📧 Email: Claims@PantherPA.com
💻 Get a free inspection: PantherPA.com/#contact
Because at Panther Public Adjusting, we don’t work for the insurance company, we work for you.
🙋♀️ Frequently Asked Questions
Q1: Why shouldn’t I trust my insurance company’s adjuster?
Because they’re hired and paid by the insurer, meaning their job is to minimize the payout. Public adjusters work for you, not them.
Q2: How much does a public adjuster cost?
Public adjusters work on a contingency basis, so there are no upfront costs, we only get paid if you do.
Q3: Can Panther Public Adjusting help if my claim was already denied?
Absolutely. Many of our clients come to us after denials or lowball offers. We review the case, reopen the claim if necessary, and fight for a fair resolution.