Choosing the right homeowners insurance provider is critical to ensuring you’re fully covered when disaster strikes. But what happens when your insurance company underpays your claim or forces you into lengthy litigation?
At Panther PA, we’ve worked with countless homeowners who have faced challenges with Bankers Insurance and American Integrity. While they aren’t the worst insurers in the industry, they have a history of underpaying claims and, in some cases, requiring litigation to secure a fair payout.
If you have a policy with Bankers Insurance or American Integrity, keep reading to understand the risks, challenges, and ways to protect yourself from unfair claim practices.
The Big Issue: Underpaid Claims from Bankers Insurance & American Integrity
Both Bankers Insurance and American Integrity have a reputation for offering low settlements on claims. When homeowners file legitimate claims for damage caused by hurricanes, storms, water leaks, or fire, these companies frequently:
✔ Downplay the extent of the damage
✔ Offer settlements far below the actual repair costs
✔ Delay payments, forcing homeowners into financial stress
For example, if your home sustains $100,000 in damages, you might find that Bankers or American Integrity only offers $40,000 to $50,000, expecting you to either accept the low payout or go through a lengthy appeals process.
💡 Think your claim was underpaid? Let us review it for free! Contact us today.
Why Litigation Is Often Necessary to Get Fair Compensation
Unfortunately, many homeowners find that the only way to get a fair payout from Bankers Insurance or American Integrity is through litigation.
Here’s what typically happens:
- A homeowner files a claim for property damage.
- The insurer underpays or denies the claim.
- The homeowner challenges the decision, but the insurer refuses to adjust the settlement.
- A lawsuit is filed to demand fair compensation.
- The case settles before trial, usually with a higher payout for the homeowner.
While litigation is a last resort, it is often necessary to hold these insurers accountable and ensure policyholders get the compensation they deserve.
⚖️ Not sure if you need to escalate your claim? Our team at Panther PA can help you understand your options. Schedule a free consultation.
How Fast Are Claims Resolved in Litigation?
One key difference between Bankers Insurance and American Integrity versus some of the worst insurers is that they tend to resolve cases faster once a lawsuit is filed.
Some insurance carriers drag out litigation for 2-3 years, hoping homeowners give up or accept a low settlement. Bankers and American Integrity, however, are generally quicker to settle cases once they reach litigation—though that still means you’ll likely have to fight for a fair payout.
If you’re dealing with a denied or underpaid claim, don’t wait until it’s too late. Call us now at 833-726-8437 to discuss your options!
American Integrity’s Binding Arbitration Clause: A Word of Caution
If you have a policy with American Integrity, you should be extremely cautious about their binding arbitration clause.
What Is Binding Arbitration?
Binding arbitration is a contractual agreement that forces policyholders to settle disputes outside of court—often in a way that favors the insurance company.
Many homeowners don’t realize that by accepting a discount on their premium, they may be waiving their right to take legal action if a claim dispute arises.
Why You Should Refuse the Arbitration Discount
While American Integrity may offer a small discount on your policy premium in exchange for agreeing to binding arbitration, we strongly recommend refusing this option.
⚠ Once you sign up for binding arbitration, you lose the right to sue your insurer, even if they act in bad faith.
✅ What You Should Do:
- Carefully read your policy before signing.
- Refuse the discount for binding arbitration.
- Work with a public adjuster to ensure you get a fair settlement.
If you’re unsure whether your American Integrity policy includes a binding arbitration clause, we can review it for you. Send us your policy for a free review.
How Panther PA Can Help You Fight Back
If you’re struggling with an underpaid claim from Bankers Insurance or American Integrity, you don’t have to handle it alone. Panther PA is here to help you maximize your settlement and ensure you get every dollar you’re owed.
Our services include:
✔ Claim Reviews – We evaluate your claim to determine if you were underpaid.
✔ Negotiation & Settlement – We handle all negotiations with the insurance company.
✔ Appraisal & Litigation Support – If needed, we escalate the claim to appraisal or connect you with legal resources.
📞 Call 833-726-8437 now for a free claim review!
📩 Or request a consultation online: https://pantherpa.com/#Contact
Final Thoughts: Are Bankers Insurance & American Integrity a Good Choice?
While Bankers Insurance and American Integrity aren’t the worst insurance carriers, they frequently underpay claims and often require litigation to secure a fair payout.
If you have a policy with either of these insurers, here’s what you need to do:
✅ Monitor your claims carefully.
✅ Be prepared to negotiate if your claim is underpaid.
✅ Avoid signing any binding arbitration agreements.
✅ Work with a public adjuster to maximize your settlement.
If you suspect your claim was lowballed or wrongfully denied, Panther PA is ready to fight for you.
📞 Call us today at 833-726-8437 for a free consultation!
📩 Or submit your claim for review here: https://pantherpa.com/#Contact
Related Articles:
- Why Is My Home Insurance Claim Taking So Long?
- Facing an Examination Under Oath? Discover Why You Should Never Go Alone!
- How a Public Adjuster Turned $40K into $400K for a Commercial Claim!
🚀 Don’t let your insurance company shortchange you—call us now!