Faq
FAQs About Insurance Appraisals
How long does an insurance appraisal take?
While timelines vary depending on the complexity of the claim and the cooperation of all parties involved, most insurance appraisals take between 2 to 6 months. That’s significantly faster than litigation, which can drag on for several years. Choosing an experienced insurance appraiser helps streamline the process.
How much does an insurance appraisal cost?
Costs vary depending on the appraiser and the size of the claim. Some appraisers offer budget services starting around $1,000, but results often reflect the fee—you get what you pay for. While many appraisers charge hourly, Panther Public Adjusting provides a clear, flat-rate quote up front, so there are no surprises.
How does insurance appraisal work?
Insurance appraisal is a process used to resolve disputes over the value of a property damage claim. Each party hires an appraiser. The two appraisers then select a neutral umpire. After reviewing the damage and estimates, the panel agrees on a final settlement amount—typically binding and enforceable.
What is an appraisal in insurance?
An insurance appraisal is a dispute resolution method included in many property insurance policies. It allows homeowners and insurers to settle disagreements over claim value without going to court. The process results in a fair, independent valuation based on evidence and expert input.
What is the difference between an insurance adjuster and an insurance appraiser?
An insurance adjuster evaluates and processes your claim—either on behalf of the insurance company (staff or independent adjuster) or the policyholder (public adjuster). An insurance appraiser, on the other hand, steps in when there’s a dispute and provides an independent valuation. Appraisers do not negotiate; they participate in binding dispute resolution.
Can I choose my own insurance appraiser?
Yes. If your policy includes an appraisal clause, you have the right to choose your own appraiser. It’s important to select someone experienced, detail-oriented, and reputable. At Panther, our team is regularly hired by attorneys and public adjusters for our appraisal expertise.
Do I need a lawyer to go to insurance appraisal?
No lawyer is required for the appraisal process. In fact, many policyholders opt for appraisal instead of litigation because it’s simpler, faster, and usually less costly. That said, if you’re already working with an attorney, they may recommend Panther Public Adjusting as your appraisal expert.
What types of claims can go to appraisal?
Most property damage claims—residential or commercial—can go through appraisal, including losses from hurricanes, fires, hail, plumbing issues, and more. Panther handles appraisal cases for condos, HOA communities, apartment complexes, and commercial buildings across the U.S.
Is insurance appraisal available in most policies, and what should homeowners know about it?
Yes, many standard property insurance policies include an appraisal clause, but many policyholders don’t realize it’s there. It allows you to dispute the amount of loss without filing a lawsuit. Knowing this clause exists gives you powerful leverage when your claim is underpaid.
How do I know if insurance appraisal is the right next step?
If your insurer has made an offer far below what your contractor, public adjuster, or appraiser believes is fair—and communication is going nowhere—appraisal may be your best option. It’s especially effective when both parties agree that coverage applies, but disagree on the amount.
Can the appraisal process resolve disputes about coverage or liability?
Appraisal typically focuses only on the amount of loss, not coverage disputes. However, this can depend on the state you’re in and the language in your insurance policy. In some jurisdictions, appraisers and umpires may consider limited coverage questions tied to scope.
Should the umpire be selected before the appraisers disagree?
Absolutely. From experience, it’s much easier and more efficient to select a neutral umpire early in the process—before tensions rise or an impasse occurs. This helps avoid delays and ensures smoother resolution when final decisions need to be made.
FAQs About Business Interruption
What is business interruption insurance?
Business interruption insurance is a type of coverage that helps replace lost income and cover ongoing operating expenses when a business is forced to temporarily close due to a covered event such as a fire, hurricane, or other disaster.
Does business interruption insurance cover pandemics like COVID-19?
Most policies require “direct physical loss” to trigger coverage, which led to widespread disputes over pandemic-related claims. However, each policy is different, so it’s best to have your coverage reviewed by an expert like Panther Public Adjusting.
How long does business interruption insurance coverage last?
Coverage typically extends for the “restoration period,” which is the time reasonably needed to repair or replace damaged property and resume normal operations. This period is defined in your policy.
What expenses are typically covered?
Typical covered expenses include lost profits, rent or lease payments, payroll, relocation costs, taxes, and loan payments that continue during the shutdown.
What documentation is needed for a claim?
You’ll usually need income statements, tax returns, profit and loss reports, lease agreements, payroll records, inventory reports, invoices and any documentation that supports the extent of your business loss.
How long does it take to settle a business interruption claim?
It varies depending on the complexity of the claim, quality of documentation, and the responsiveness of the insurance company. With Panther PA’s guidance, claims are typically resolved faster and more favorably.
What if my insurer underpays or denies my claim?
Can I file a claim even if I’ve already begun repairs or reopened?
Yes, but the sooner you file, the better. Delays may weaken your case or result in missed deadlines. Always consult a public adjuster before starting repairs.
FAQs About Citizens Insurance
What is Citizens Property Insurance Corporation?
Citizens is a state-run insurance company in Florida, designed to offer policies to homeowners who can’t find coverage in the private market due to high risk factors like storm exposure or older construction.
What is the DOAH clause in a Citizens policy?
The DOAH clause requires disputes to go through the Florida Department of Administrative Hearings instead of regular court. This can delay your case and limit your legal options, which is why strong documentation and expert advocacy are critical.
Why does Citizens cap water damage claims at $10,000?
Citizens limits water damage payouts to $10K unless you agree to use their Managed Repair Program (MRP). This restricts your freedom to choose contractors, but Panther PA often helps clients exceed the cap by proving mold, content loss, or loss of use.
What is the Managed Repair Program (MRP)?
MRP is a contractor network controlled by Citizens. While it might fast-track some repairs, many policyholders prefer hiring their own professionals to ensure quality and accountability.
Can Panther help exceed the $10K water cap?
Yes. We often secure higher payouts when additional damage is documented, such as mold contamination, damaged personal belongings, or temporary housing needs.
What is Citizens’ appraisal process?
If you dispute the amount offered, Citizens may push your claim into appraisal — a binding process involving two appraisers and an umpire. Panther PA represents your interests to ensure fair valuation.
How long does it take to settle a Citizens insurance claim?
It depends on the complexity and how quickly documentation is submitted. With Panther PA, we streamline the process, avoid delays, and push for a full resolution without unnecessary escalation.
Can I hire my own adjuster even with Citizens Insurance?
Absolutely. You have every right to hire a licensed public adjuster like Panther PA to represent you, document damages, and negotiate on your behalf — especially important with Citizens’ rigid policy restrictions.
FAQs About Roof Damage
How do I know if my roof has storm damage?
You might see signs like water stains, wet insulation, missing shingles, or ceiling leaks. If you’re unsure, call a professional. An expert can inspect your roof safely and document damage for your claim.
How much hail damage is needed to replace a roof?
That depends. Sometimes just a few damaged shingles are enough to justify a full roof replacement, especially if your roofing material is no longer made. For example, if your tile or shingle type is discontinued, replacing only part of the roof could lead to mismatched repairs. Insurance companies may approve a full replacement when repairs can’t restore the roof to its original look or function.
How to check for roof damage after a storm?
Use binoculars or a drone for a safe view. Look for debris, loose or missing shingles, dented gutters, and signs of water on your ceiling. For a full inspection, call a licensed roofer or public adjuster.
Does home insurance cover roof damage from wind?
Yes, most standard homeowners insurance policies cover wind damage. This includes missing shingles, torn flashing, or sections of the roof blown off. Be sure to document the damage and file your claim quickly.
Will homeowners insurance cover water damage from a roof leak?
It depends on the cause. If the leak comes from storm damage, your policy likely covers it. But if it’s due to poor upkeep or old age, coverage might be denied. Always report damage right away and document everything.
How to replace a damaged roof shingle?
While replacing a single shingle might seem easy, it often causes more problems. Nearby shingles can crack or loosen during the fix. Plus, a new shingle might not match your old ones, making the roof look patchy. Many pros recommend filing a claim if damage is from a covered event.
Is animal damage to a roof covered under homeowners insurance?
Often, yes. If a raccoon, squirrel, or bird causes sudden damage to your roof, your policy might cover it. However, damage from ongoing nesting or infestations might be excluded. Check your policy or ask a public adjuster.
Do solar panels damage roofing?
Solar panels, when installed correctly, should not damage your roof. In fact, they can protect the covered area from weather. However, poor installation can lead to leaks or stress on your roofing structure. Always use licensed, experienced contractors for installation.
FAQs About Fire and Smoke Claims
Do I need a public adjuster for a fire claim?
Absolutely. Fire claims are complex, and your insurer won’t point out everything you’re owed. We will.
Can smoke damage be worse than the fire itself?
Yes. Smoke can travel through vents, insulation, and wall cavities, affecting parts of the home that weren’t visibly burned.
Will my insurer pay for hotel stays after a fire?
Usually yes, under Loss of Use. We ensure it’s included — and extended if needed.
What if the cause of fire is disputed?
We will work with forensic experts to establish cause and eliminate insurer excuses.
How do I prove contents that were destroyed?
We help recreate inventory, use receipts, photos, and even purchase history to recover full value.
FAQs About Hurricane Claims
How long do I have to file an insurance claim after a hurricane?
The timeframe varies by state and insurance provider, but generally, you should file your claim as soon as possible—ideally within a few days of the storm. In Florida, for example, there’s a statute of limitations that gives you up to one year from the date of the hurricane to file a claim, but it’s always better to act quickly to avoid disputes or missed deadlines.
How do I file an insurance claim after a hurricane?
To file a hurricane insurance claim, follow these steps:
Document the damage immediately with photos and videos.
Prevent further damage by making temporary repairs if safe to do so.
Review your policy to understand your coverage.
Contact your insurance company and provide the necessary details.
Request a claims adjuster visit for official assessment.
Keep a log of all communications and expenses.
Working with a public adjuster like Panther can significantly improve your chances of a fair settlement.
Can an insurance company drop you after a hurricane claim?
Unfortunately, some insurance companies may not want to renew a policy after a hurricane claim, especially if the region is deemed high-risk. However, this varies significantly by state. For instance, in Florida, state law prohibits insurers from dropping homeowners solely for filing a claim caused by an “act of God,” such as a hurricane. Each case is unique, and non-renewal must still comply with state-specific regulations. If you’ve received a notice, consult with a public adjuster or insurance attorney to understand your rights and protections.
When should I file a hurricane claim with insurance?
File your hurricane claim as soon as it’s safe after the storm passes. Delaying the process can complicate your claim or result in missed deadlines. Immediate action helps preserve evidence and demonstrates good faith on your part. The sooner you file, the sooner your recovery process can begin.
What should I do if my hurricane claim is denied?
If your claim is denied, don’t panic. Review the denial letter carefully and compare it with your policy. Often, denials are due to technicalities, incomplete documentation, or misinterpretation of the damage. A public adjuster can help reassess your claim, gather additional evidence, and dispute the insurer’s decision if necessary.
What types of damage are typically covered by hurricane insurance?
Most hurricane insurance policies cover wind damage, roof damage, broken windows, water intrusion from rain entering through storm-created openings, and more. However, flooding from storm surge is usually excluded and requires separate flood insurance. Check your policy details or consult a professional to confirm your coverage.
Can I reopen a hurricane insurance claim?
Yes, in many cases you can reopen a claim if new damage is discovered or if you believe you were underpaid. Most states allow supplemental claims, but there are deadlines—often 12 to 24 months post-storm. Documentation is crucial, and a public adjuster can assist with the process.
FAQs About When to Hire a Public Adjuster
What does a public adjuster do that an insurance adjuster doesn’t?
A public adjuster works only for you, not the insurance company. They evaluate your damage, interpret your policy, document your loss, and negotiate for a higher, fairer settlement. In contrast, an insurance adjuster works to protect the insurer’s financial interests.
When is the best time to hire a public adjuster?
The earlier the better. Hiring a public adjuster immediately after the damage occurs helps ensure your claim is documented correctly from the beginning, reducing the risk of denials or low settlements.
Do I really need a public adjuster if the damage is small?
For minor damage, you might be able to handle the claim yourself. But if the loss is complicated, denied, underpaid, or involves multiple layers of damage (like roof + water + mold), having a public adjuster often results in a much better outcome. In addition, many times homeowners may mistakenly think the damage is minor, not realizing that it can result in a significant claim.
What if my claim has already been denied?
You can still hire a public adjuster. Many clients do so after an initial denial. A skilled adjuster can review your file, identify mistakes or missing documentation, and reopen the claim if it was wrongfully rejected.
How does a public adjuster get paid?
Public adjusters are typically paid a percentage of your insurance payout— There’s usually no upfront cost, and the adjuster’s job is to help you get more than you would on your own.
Can I switch to a public adjuster if I already started the claim myself?
Yes, in most cases you can still bring in a public adjuster even after the claim has started—especially if it’s been delayed, underpaid, or you’ve hit a wall with your insurance rep.
What are common mistakes homeowners make when handling claims without help?
Accepting the first settlement offer too quickly
Not fully documenting damage (especially hidden or mold-related)
Signing releases without understanding them
Misunderstanding policy language
Missing deadlines or claim requirements
Avoid these mistakes by reading this expert guide.
What should I look for when hiring a public adjuster?
Look for licensing in your state, strong references, relevant experience with your type of claim, and ethical, transparent communication. Membership in reputable organizations like the Florida Association of Public Adjusters (FAPIA) is also a great sign.
How much does a public adjuster charge?
This will vary based on state laws as well as type of claims. In Florida, during a state of emergency, the cap is often 10%., for non State of Emergency claims in Florida, 20% is the standard.
Be cautious of offers that seem too low — they could be cutting corners or lack the skill to handle your claim effectively.
Can a public adjuster speed up the claim process?
Yes. While they can’t override your insurer’s timeline, public adjusters help ensure documentation is complete and accurate — reducing back-and-forth delays and expediting the settlement process.
Is it legal for contractors to help with insurance claims?
In many states, it’s illegal for contractors or remediation companies to act as public adjusters unless they are licensed. Always keep the roles of adjuster and contractor separate.
How do I verify if a public adjuster is licensed?
You can check their licensing through your state’s Department of Insurance website. In Florida, visit the Florida Division of License Search or call 1-877-693-5236.
Should I hire a public adjuster for a small claim?
It depends. For simple claims, it may not be necessary. Howevver, many times what you may think is simple, can be more complex, or a much larger claim then you realize. It is always best to contact a Public Adjuster for a free consultation prior to filing a claim.
What does a public adjuster do?
A public adjuster works on your behalf—not the insurance company’s. They assess the damage, interpret your policy, prepare and file your claim, and negotiate to get you the best possible payout.
Is it worth hiring a public adjuster?
Yes, especially if your claim is large, complex, denied, or underpaid. Public adjusters often help policyholders receive significantly higher settlements than if they filed alone.
Can a public adjuster reopen a closed claim?
Yes. If you’ve discovered additional damage or believe your initial settlement was unfair, a public adjuster can often help reopen the claim and pursue a higher payout.
How does a public adjuster get paid?
Public adjusters are typically paid a percentage of your insurance payout— There’s usually no upfront cost, and the adjuster’s job is to help you get more than you would on your own.
What types of claims do public adjusters handle?
Hurricane and storm damage
Fire and smoke damage
Water leaks and burst pipes
Mold infestations
Vandalism and theft
Business interruption losses
Will hiring a public adjuster delay my claim?
No. In fact, having a public adjuster typically speeds up the process by ensuring everything is properly documented and submitted promptly, reducing back-and-forth delays with insurers.
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 is the most important thing to do right after property damage occurs?
Ensure everyone’s safety first. Then, document the damage immediately with photos and videos before starting any cleanup or repairs. Preserving evidence is key to protecting your insurance claim.
Should I let contractors handle my claim or communicate with the insurance company?
An AOB gives a third party control over your claim and the right to collect your insurance payout. It’s risky. Read the form carefully, and consult with a licensed public adjuster before signing anything.
What is an Assignment of Benefits (AOB), and should I sign one?
For minor damage, you might be able to handle the claim yourself. But if the loss is complicated, denied, underpaid, or involves multiple layers of damage (like roof + water + mold), having a public adjuster often results in a much better outcome. In addition, many times homeowners may mistakenly think the damage is minor, not realizing that it can result in a significant claim.
Can I reopen a claim if I accepted a low payment?
Yes. If your settlement was insufficient or new damage was discovered, you may be able to file a supplemental claim or reopen the original one — especially with help from a public adjuster.
Do I need a public adjuster or an attorney?
Start with a public adjuster — they typically cost less and resolve most claims without extended litigation. If the insurer refuses to pay or delays unreasonably, a specialized attorney may be needed.
Can I file a complaint if the insurance company is delaying my claim?
Yes. You can file a complaint with your state’s department of insurance or consumer helpline. In Florida, the Consumer Helpline is 1-877-693-5236.
FAQs About Frozen Pipe Claims
What’s the most common reason insurers deny frozen pipe claims?
They often blame the homeowner for “not heating” the space, even when temperatures were abnormally low. We fight that assumption.
How do I know if my policy covers winter storm damage?
Panther PA will review your policy for free and explain what you’re entitled to.
Will insurance cover damaged contents like furniture or electronics?
Yes — if they were damaged by water from a covered event like a burst pipe or roof leak.
Can I file if I’ve already started repairs?
Yes, but the sooner we get involved, the better we can build your case and push for a higher payout.
Do you help with mold from water damage?
Absolutely. We document, test, and push for mold coverage wherever possible — especially if the damage wasn’t dried fast enough.
How to tell if a pipe burst
Look for signs like a sudden drop in water pressure, water stains or puddles, strange noises in the walls, or a musty smell. Spikes in your water bill or visible frost on pipes can also be red flags. If you notice any of these, shut off your water and call for help—fast action can prevent more damage.
FAQs About Hail Damage Claims
What does hail damage look like on a roof?
Hail damage can appear as dark spots, bruises, or dents on shingles. You might also see missing granules, cracked tiles, or bent flashing. On metal roofs, look for dings or pockmarks. The damage may be subtle at first, which is why professional inspections are key.
How much hail damage is needed to replace a roof?How much hail damage is needed to replace a roof?
There’s no one-size-fits-all answer. Even minimal damage in key areas can justify a full roof replacement—especially if the roof materials are no longer manufactured or repairs would disrupt the existing system’s integrity. Insurers often use thresholds like 6–10 hits per square (10’x10’) as a guideline, but factors like tile discontinuation or irreparability can strengthen your claim for full replacement.
What size hail damages roofs?
Hailstones as small as 1 inch can cause damage—especially to older or worn-out roofs. Larger hail (1.5 inches or more) almost always leaves visible signs. Even “small” hail can cause hidden issues that worsen over time if ignored.
How can I tell if my roof has hail damage?
You might notice bruised or cracked shingles, loose granules, bent vents, or dings in gutters. A safe way to check is by walking the perimeter and inspecting from the ground. For a thorough evaluation, schedule a professional roof inspection.
Will insurance pay for hail damage to a metal roof?
Yes, insurance typically covers hail damage to metal roofs, especially if dents or punctures affect the roof’s function. Cosmetic-only damage may not qualify, but any breach that threatens waterproofing is usually covered under standard policies.
Does insurance cover hail damage to roofs?
Most homeowner and commercial property policies include hail as a covered peril. However, coverage depends on your policy’s terms, your deductible, and whether you file a timely claim supported by solid documentation.
Why is hail damage bad for a roof?
Even small hail damage weakens your roof’s protective barrier. It can lead to water infiltration, mold growth, and structural rot. Over time, minor damage compounds into major repair costs. That’s why addressing it early is critical.
What should I do if I suspect hail damage on my roof?
Take photos of any visible signs, document the storm date, and avoid doing repairs yourself. Then, contact a licensed public adjuster like Panther Public Adjusting to perform a free inspection and help file a comprehensive insurance claim.