Car Crash Into Home Insurance Claim: How We Won $140K More

TLDR: When a pickup truck crashed into a Florida home, the insurance company only offered $20,000 to fix the damage. After Panther Public Adjusting stepped in, documented hidden structural issues, and brought in engineers, the homeowner’s settlement increased by $140,000. This case proves why every homeowner should call a public adjuster after serious property damage.


The Unexpected Nightmare: A Vehicle Crash Into Your Home

Imagine waking up in the middle of the night to the sound of crushing wood, shattering stucco, and screeching metal. A pickup truck had slammed directly into a family’s home, tearing through the front wall and damaging the kitchen.

The shocked homeowners quickly filed a claim with their insurance company. They believed their insurer would handle everything fairly. But what came next is a story that thousands of Florida homeowners face each year: a lowball settlement that ignored most of the real damage.

The insurance company inspected the property and acknowledged there was damage. But instead of paying enough to make the family whole, they offered just $20,000.


Why Insurance Companies Underpay Vehicle Crash Claims

When a car collides with a house, the damage is far more than what’s visible to the eye. Hidden issues often include:

  • Cracked roof trusses in the attic 🏚️
  • Stucco damage that spreads across exterior walls
  • Structural shifts causing stress cracks inside the home
  • Electrical, plumbing, and foundation impacts from the force

Unfortunately, insurance adjusters working for the carrier are trained to minimize payouts. They may overlook, downplay, or even ignore these issues. Without expert representation, homeowners end up paying out-of-pocket for costly repairs.

That’s where Panther Public Adjusting comes in.


How Panther Public Adjusting Turned $20K Into $160K

When the homeowners realized $20,000 wouldn’t even scratch the surface of repairs, they called Panther Public Adjusting. Our team immediately launched a thorough, independent investigation.

Here’s how we did it:

  1. Attic Inspection – We climbed into the attic and found cracked trusses the insurer ignored.
  2. 3D Imaging – Using advanced technology, we documented the true extent of the damage. 📸
  3. Engineering Reports – We brought in licensed engineers to verify structural movement and hidden cracks.
  4. Comparative Photos – We showed proof of new vs. old damage that the carrier could not dispute.
  5. Reopening the Claim – Armed with evidence, we demanded the insurer reopen the case.

The insurance company brought in their own engineer to challenge our findings. After weeks of back-and-forth negotiations, the truth prevailed. The claim settlement increased by $140,000 more, bringing the total to $160,000.

That’s the difference between a denied repair and a fully restored home.


Why You Should Never Fight the Insurance Company Alone

This case shows why it’s a serious mistake to go through the claims process without professional help. Insurance companies are profit-driven. They train their adjusters to save money, not to protect homeowners.

With a public adjuster on your side, you gain:

  • An advocate who works exclusively for YOU
  • Proper documentation of hidden damage
  • Skilled negotiation to maximize your payout
  • Access to engineers and experts carriers can’t dismiss

From Tampa to Sarasota, Englewood, and Miami, homeowners across Florida rely on Panther Public Adjusting to make sure their claim is handled the right way.


Florida Cities Most at Risk

Florida homeowners face more than just hurricanes. Vehicle crashes into homes happen more often than you think. Whether you live in Sarasota, Tampa, Venice, or Englewood, your property could be at risk from sudden accidents that cause structural issues.

👉 That’s why Panther Public Adjusting has built a reputation as the top choice in cities like Sarasota, Tampa, and Venice.

We know how to fight back when insurers try to underpay or deny.


Learn From Other Homeowner Success Stories

This isn’t the first time Panther Public Adjusting has transformed an underpaid claim into a life-changing settlement.

Every case is different, but the message is the same: having a public adjuster makes all the difference.


How to Protect Yourself If a Car Crashes Into Your Home

If you ever experience a vehicle hitting your home, here’s what you should do immediately:

  1. Call 911 – Ensure safety first.
  2. Document Everything – Take photos and video of damage inside and outside.
  3. Contact Panther Public Adjusting Before Your Insurer – The earlier we’re involved, the stronger your claim will be.
  4. Don’t Accept the First Offer – Lowball settlements are the insurance company’s strategy.
  5. Demand a Full Inspection – Including the attic, trusses, and foundation.

External Resources to Stay Informed

Panther Public Adjusting doesn’t just fight claims, we educate homeowners so they’re always prepared.

  • 🎥 Check out our YouTube channel, My Insurance Claim Expert, where Mendy breaks down real claims and insider tips.
  • 👥 Join our Facebook community Anything About Property Insurance Claims 101 to connect with other Florida homeowners dealing with insurance battles.

These resources keep you one step ahead of the insurance companies.


Call to Action: Don’t Wait Until It’s Too Late

If you’re dealing with a vehicle crash claim, storm damage, fire, or plumbing leak, let us fight for you.

📲 Call us at 833-726-8437
📧 Email us at Claims@PantherPA.com for a free policy review
🌐 Contact us through our website form

Don’t gamble with your home. Let Panther Public Adjusting get you the maximum payout you deserve.


Final Word: Why Homeowners Trust Panther Public Adjusting

From a $20,000 lowball offer to a $160,000 settlement, this case shows the power of hiring a public adjuster. Without Panther Public Adjusting, the homeowners would have been left with dangerous hidden damage and an unsafe house.

Whether you live in Miami, Palmetto, Ruskin, or Saint Petersburg, our team is here to protect your rights and fight for your payout.

Don’t let the insurance company dictate your future. Call Panther Public Adjusting today.


FAQs

1. What should I do if a car crashes into my house in Florida?
Ensure safety first by calling 911, then document the damage. Contact a public adjuster like Panther Public Adjusting immediately to ensure the insurance claim is handled properly.

2. Can insurance companies deny part of my vehicle crash claim?
Yes, insurers often downplay or deny hidden damages. That’s why having a public adjuster is essential to uncover and prove the full scope of loss.

3. How much does it cost to hire a public adjuster in Florida?
Public adjusters work on a percentage of the recovered settlement. This means there are no upfront fees, and you only pay if we recover money for you.

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