TL;DR- What Homeowners Should Know
Insurance companies send adjusters to protect their profits, not your property.
A public adjuster works for you, ensuring your claim is fully documented, accurately valued, and maximized.
Panther Public Adjusting fights to get you the payout you deserve and doesn’t get paid until you do.
Understanding the Truth About Insurance Claims in Florida
Most homeowners think filing an insurance claim is simple… until it becomes a nightmare. The damage is real, but your payout often falls far short of what you need to rebuild.
So who’s really on your side?
When disaster strikes, whether it’s a hurricane in Tampa, a plumbing leak in Venice, or fire damage in Saint Petersburg, the insurance company’s goal is to minimize their payout. They’ll send their own adjuster, who works to protect their bottom line, not your financial recovery.
That’s why you need a public adjuster like Panther Public Adjusting, your claim advocate, your insurance translator, and your personal defender in the fight for fair compensation.
What Is a Public Adjuster?
A public adjuster is a licensed insurance professional who represents the policyholder, not the insurance company.
At Panther Public Adjusting, our job is to:
- Inspect and evaluate your property damage thoroughly.
- File your claim correctly from day one.
- Negotiate directly with your insurer for the maximum settlement possible.
We know the policies.
We know the loopholes.
And we know how to beat lowball offers.
Think of a public adjuster as your claim bodyguard protecting your rights, your home, and your financial recovery.
Why Insurance Company Adjusters Don’t Work for You
When you file a claim, the insurance company assigns their own adjuster. They may seem polite and helpful, but they’re employed to save the company money, not to ensure your home is repaired properly.
Their assessments often understate the true scope of the damage, exclude hidden issues, or rely on outdated repair rates.
A public adjuster, on the other hand, is hired by you. We document every square inch of damage in your favor and present a professional, evidence-based claim package that compels the insurer to pay what you truly deserve.
💬 In short: They protect profits. We protect you.
When Should You Hire a Public Adjuster?
Timing can make or break your claim. You should hire a public adjuster if:
✅ You want your claim handled properly from the start.
✅ You’ve received a lowball offer.
✅ Your claim has been denied or delayed.
✅ You’re dealing with complex damage: such as fire, water, mold, or hurricane loss.
✅ You’re overwhelmed by paperwork, estimates, and policy language.
The best time to bring us in is before you file your claim. That way, we handle everything, from documentation and photos to communication with the insurance company, ensuring no costly mistakes.
Even if you’ve already filed, or your claim was denied, it’s not too late. Panther Public Adjusting can often reopen claims and recover tens of thousands more than homeowners were initially offered.
For example, in one case featured on our blog, a commercial property claim grew from $40,000 to $400,000 thanks to our detailed reinspection and negotiation. Read the full story here.
Common Myths About Public Adjusters
Let’s clear up some major misconceptions homeowners have:
Myth #1: “Public adjusters are expensive.”
Not true. Panther Public Adjusting doesn’t get paid until you do.
There are no upfront costs, and our fee comes directly from your settlement, meaning you never pay out-of-pocket.
Myth #2: “I can handle this myself.”
You could try ,but remember, insurance companies have teams of professionals trained to reduce payouts. Handling your own claim is like going to court without a lawyer.
Myth #3: “It’s too late to call one.”
Even if your claim has already been closed or denied, our team can often reopen it, challenge the insurer’s findings, and secure a higher payout.
Real Value: What Panther Public Adjusting Does for You
At Panther Public Adjusting, we’ve helped homeowners across Miami, Palmetto, and Englewood recover millions of dollars in unpaid insurance benefits.
From hurricanes and plumbing leaks to electrical fires and roof damage, our adjusters are experienced in every type of residential and commercial claim.
We don’t just estimate, we document, negotiate, and deliver results.
Our in-depth knowledge of building codes, local pricing, and insurance law ensures you’re treated fairly, not left with repairs you can’t afford.
To understand more about what happens when your insurer claims your damage is “old,” check out our detailed guide: My Insurance Company Says My Damage Is Old — Are They Right? (Hint: Not Necessarily).
The Florida Advantage, We Know the Sunshine State
Every region of Florida presents unique insurance challenges, from hurricanes in Sarasota to wind-driven rain in Ruskin.
Our local knowledge gives us an advantage. We know how carriers operate in each area, which policies are prone to underpayment, and how to document damage in a way insurers can’t ignore.
That’s why Panther Public Adjusting remains one of Florida’s most trusted public adjusting teams.
Don’t Wait, Get Help Today
Insurance claims often feel like a battle because they are. But you don’t have to fight alone.
If you’re facing a tough claim or believe your payout is too low, reach out today:
📞 Call us now: 833-726-8437
📧 Email your policy: Claims@PantherPA.com
💬 Get in touch online: Contact us today
We offer free claim reviews and only get paid when you do.
Continue Learning About Insurance Claims
Want to understand your policy better? Check out:
- Replacement Cost Value vs. Actual Cost Value — What Does It All Mean?
- Tips From a Public Adjuster When Purchasing a Home
And if you’re ever asked to attend an Examination Under Oath, make sure you read:
Facing an Examination Under Oath? Discover Why You Should Never Go Alone
Join Our Homeowner Community
Stay informed and empowered by joining our online homeowner community.
Visit our YouTube channel, My Insurance Claim Expert, where Mendy shares insider claim tips and real success stories.
Also, join our Facebook group, Anything About Property Insurance Claims 101, to connect with other Florida homeowners navigating the same challenges.
These resources are your best allies for understanding and winning the insurance game.
Final Thoughts
At the end of the day, your insurance policy is meant to protect you, not confuse or limit you. But without professional guidance, homeowners often end up settling for less than they deserve.
A public adjuster levels the playing field. Panther Public Adjusting ensures your claim is handled right, your payout is fair, and your peace of mind is restored.
💪 Don’t let the insurance company decide what your home is worth.
Call us today at 833-726-8437 or contact our team online for a free claim consultation.
❓ FAQ: Frequently Asked Questions
1️⃣ What does a public adjuster actually do for homeowners?
A public adjuster is a licensed professional who represents you, not the insurance company. They handle every step of your property damage claim, from inspecting and documenting losses to negotiating directly with the insurer. The goal is to make sure you receive the maximum payout your policy allows, not the minimal offer the insurance company hopes you’ll accept.
2️⃣ When should I call a public adjuster, before or after filing my claim?
Ideally, you should call a public adjuster before you file your claim. This helps ensure it’s documented correctly from the start, preventing costly mistakes that could reduce your payout. However, even if your claim has already been filed, denied, or underpaid, it’s not too late. Panther Public Adjusting can often reopen the claim and fight to increase your settlement.
3️⃣ How much does it cost to hire Panther Public Adjusting?
There are no upfront costs when hiring Panther Public Adjusting. We work on a contingency basis, meaning we only get paid when you do. Our success is tied directly to yours — if you don’t get paid, we don’t either. Most clients recover far more even after our fee than they would have on their own.