Insurance Claim Process | How Panther Public Adjusting Represents Your Claim
We had two losses due Hurricanes Milton and Ian at our home in Punta Gorda, Florida We use Panther Public Adjusting for both of our losses. I would never call any public adjuster other than Panther Public Adjusting . They are the best by far!
A Smarter Way to Handle the Insurance Claim Process
When you’re dealing with storm damage, a house fire, or severe water loss, the last thing you need is a battle with your insurance company. That’s where Panther Public Adjusting steps in. We simplify the insurance claim process and serve as your dedicated advocate—maximizing your payout, reducing your stress, and making sure nothing slips through the cracks.
Below, you’ll find a step-by-step look at how our claims representation process works, so you know exactly what to expect when you hire us.
Our 7-Step Claims Representation Process
Step 1: Free Consultation & Damage Assessment
We begin with a no-obligation consultation. One of our licensed public adjusters will:
Inspect and photograph the damage
Review your existing policy and coverage limits
Discuss your loss, needs, and options
Determine if we’re the right fit for your claim
This initial visit helps us map out a custom approach to help you recover the maximum settlement.
Step 2: Agreement & Onboarding
If you choose to move forward, we’ll sign a simple representation agreement that authorizes us to act on your behalf. We break down every clause so you’re comfortable and informed.
You’ll also be paired with a dedicated adjuster and support contact who will guide you through every phase of your insurance claim process.
Step 3: Documentation & Evidence Collection
This is where we take over the heavy lifting. We’ll:
Document every area of loss (photos, videos, itemized lists)
Work with contractors, engineers, or estimators as needed
Gather receipts, invoices, and historical records
Request relevant documents from your insurance company
Our goal is to prepare an airtight claim file that leaves no room for lowball offers or denials.
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Step 4: Policy Review & Claim Strategy
We dig deep into your policy—reviewing all coverage details, endorsements, and exclusions—to determine your rights and maximize what you’re owed.
Then we build a custom claim strategy tailored to your policy, carrier, and damage type.
Step 5: Claim Submission & Carrier Communication
We handle all communications with your insurer, including:
Filing or supplementing your claim
Scheduling inspections with carrier adjusters
Responding to paperwork requests
Disputing undervalued or denied items
You won’t have to chase agents or decode technical jargon—we handle it all.
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Step 6: Negotiation & Settlement
Our licensed adjusters negotiate relentlessly to secure the highest possible settlement. If necessary, we’ll involve trusted appraisers or attorneys to escalate your case.
You stay informed throughout every step—no surprises, just results.
Step 7: Final Payout & Closure
Once a fair agreement is reached:
We help ensure you get paid promptly
Address any supplemental claims for new damage
Provide final reports and closure documentation
You walk away confident—and compensated.
Bonus: Reopening Denied or Underpaid Claims
If your claim was denied or underpaid, it’s not too late. We frequently reopen closed claims and recover tens of thousands in unpaid benefits.
Client Story: Initial offer – $42,000 → Final settlement – $250,000.
Why Choose Panther Public Adjusting?
Proven results in hurricane, fire, water, mold, theft, and vandalism claims
Licensed and bonded in multiple states
5-star client reviews and real case results
Members of FAPIA and other leading industry organizations
We represent you, not the insurance company.
Let’s Talk About Your Claim
You don’t have to navigate the insurance claim process alone. Let Panther Public Adjusting fight for your full recovery—no pressure, no upfront costs.
📧 Email: Claims@PantherPA.com
📞 Call: 833-PANTHER
📝 Contact Form: Start Your Free Claim Review »
Final Thought
If you’re overwhelmed by paperwork, stuck in limbo, or frustrated with a low offer, we’re here to help. The insurance claim process doesn’t have to be painful—not when you have Panther on your side.
FAQs About When to Hire a Public Adjuster
What is a public adjuster and how are they different from my insurance company’s adjuster?
A public adjuster works for you — the policyholder — not the insurance company. While the insurance company’s adjuster is hired to protect their financial interests, a public adjuster represents your best interest, ensuring you get the full value of your claim.
When should I contact Panther Public Adjusting?
The sooner, the better. Ideally, contact us immediately after discovering damage. However, we can also step in mid-claim or even reopen closed or underpaid claims.
Does Panther Public Adjusting handle everything with the insurance company?
Yes. Once you sign our agreement, we take over all communication, paperwork, documentation, and negotiations with your insurance carrier so you can focus on recovery.
How much does it cost to hire Panther Public Adjusting?
We work on a contingency fee basis, meaning we only get paid if you do. Our fees are a percentage of the final settlement and are discussed upfront with full transparency.
What if my claim was already denied or underpaid?
We specialize in reopening and challenging denied or underpaid claims. As long as your claim is within the statute of limitations, we may be able to recover significantly more for you.
Will hiring Panther delay my claim?
Not at all. In fact, our thorough documentation and proactive communication can reduce delays and help streamline the process. We’re experts at navigating insurer requirements and pushing past bottlenecks.
Do you only work with Florida claims?
No. While Florida is our home base, we are licensed in multiple states and assist policyholders nationwide, including in areas affected by hurricanes, wildfires, and large-scale weather events.
What types of damage does Panther Public Adjusting help with?
We handle claims involving hurricane and wind damage, fire and smoke, water and mold, vandalism, plumbing issues, and business interruption losses.