Denied or Underpaid Insurance Claim? Here Is What to Know

You filed a claim expecting your insurance company to help you rebuild. Then the letter arrived: claim denied, or an offer far below what the repairs will cost. It is frustrating, and it happens often. Panther Public Adjusting reviews denied and underpaid property claims on behalf of policyholders.

Why Claims Get Denied or Underpaid

• The estimate leaves out damage, such as hidden water damage, smoke and soot, or code upgrades
• Labor and material pricing that does not match local costs
• Damage described as wear and tear or a maintenance issue
• A disagreement over the cause of loss
• Missing documentation or paperwork
• Policy language that was applied in the insurer’s favor
• Depreciation applied too aggressively

Steps to Take Now

1. Do not give up. A first offer or a denial letter is often not the end of the process.
2. Keep everything. Save the denial or estimate, emails, photos, invoices and any reports.
3. Do not sign anything you do not understand. Releases and final settlement forms can close the claim.
4. Call a public adjuster. Call Panther Public Adjusting at 833-PANTHER (833-726-8437). We review your policy, the denial or estimate, and the extent of the damage to determine whether the claim was handled properly.

How Panther Public Adjusting Helps

• Review your policy, the insurer’s letter and its estimate line by line
• Inspect the property and document damage that may have been missed
• Prepare our own estimate of the repair scope
• Communicate with your insurance company and handle the back and forth
• Work with you through reinspection and negotiation

Frequently Asked Questions

Can a denied claim be reopened?
Often there are steps available after a denial. Call us and we will review your letter and policy to see where things stand.

How do I know if my claim was underpaid?
If the estimate does not cover all of the damage you see, or contractor bids are far above it, it is worth a second look.

Is there a deadline?
Policies and Florida rules contain time limits for claims and disputes. The sooner we review your claim, the better.

Talk to Panther Public Adjusting

Call 833-PANTHER (833-726-8437) or email Claims@PantherPA.com for a claim review. We handle the communication with your insurance company.