Understanding Insurance Adjusters and Their Role
Insurance adjusters assess claims on behalf of insurance companies. While they may appear friendly and helpful, their primary obligation is to minimize the company’s payout. This means they will often look for reasons to deny, reduce, or delay your claim rather than paying you fairly.
There are three types of adjusters:
- Company Adjusters: These are employees of the insurance company and work exclusively to protect its interests.
- Independent Adjusters: Though they may appear neutral, they are hired by insurance companies to handle claims.
- Public Adjusters: These professionals work for you, ensuring that you receive the maximum payout possible.
By hiring a public adjuster, you even the playing field and ensure that your interests are represented.
Common Lies Insurance Adjusters Tell Homeowners
1. “Sorry, That’s Not Covered”
This is a scare tactic designed to make you walk away without questioning the decision. However, insurance policies contain fine print that may actually cover the damage. Many claims are wrongfully denied due to a misinterpretation of the policy.
✅ What You Should Do:
- Ask for the denial in writing – Insurance companies hesitate to put false statements on paper.
- Review your policy – Don’t take their word for it. If you need help, submit your policy for a free review by emailing Claims@PantherPA.com.
- Consult a public adjuster – We can determine whether your claim is valid and fight on your behalf.
Learn more about what your insurance policy really covers.
2. “This Damage Was Pre-Existing”
If an adjuster claims that your damage existed before the storm, fire, or disaster, they are shifting the burden of proof onto you. However, it’s their job to prove it, not yours.
✅ What You Should Do:
- Demand documentation – If they claim it’s pre-existing, ask for official records proving it.
- Get an independent inspection – A contractor or public adjuster can verify the damage and challenge the insurance company’s decision.
If your adjuster is wrongfully accusing you of pre-existing damage, call us at 833-726-8437 today.
3. “You Don’t Need a Public Adjuster”
If an adjuster tells you this, it’s because they don’t want you to have professional representation. Studies show that homeowners who hire public adjusters receive significantly higher payouts than those who don’t.
✅ What You Should Do:
- Get a second opinion – A public adjuster works for you, not the insurance company.
- Never accept their first offer – More often than not, it’s lower than what you deserve.
👉 Read more on the benefits of hiring a public adjuster.
4. “This Is the Best Offer You’ll Get”
This is another pressure tactic used to convince homeowners to settle for less than they’re owed. The truth is, you have the right to challenge their offer and submit additional proof.
✅ What You Should Do:
- Reject the first offer – It’s rarely the highest payout available.
- Get an independent estimate – We can assess your damages and negotiate a fair settlement on your behalf.
- If they won’t negotiate, we’ll take it further – We know how to hold them accountable.
If you think your adjuster is undervaluing your claim, contact us at claims@pantherpa.com to fight back.
Why Homeowners in Florida Need a Public Adjuster
Florida homeowners face unique challenges, including hurricanes, tropical storms, and flooding. Because of this, insurance companies often use complex policy language to deny or reduce claims unfairly.
Major Florida Cities We Serve
We assist homeowners across Florida, including:
- Miami – Frequent storm damage and water intrusion issues.
- Orlando – Common roofing and wind damage claims.
- Tampa – Hurricane and flood-related claims.
- Jacksonville – Severe weather and wind damage claims.
- Fort Lauderdale – Property loss due to tropical storms and water damage.
- West Palm Beach – High-risk weather exposure requiring proper claim handling.
- St. Petersburg, Tallahassee, Naples, and Sarasota – Each with their own unique claim challenges.
How a Public Adjuster Helps You Get the Maximum Payout
Unlike insurance company adjusters, public adjusters work exclusively for you. At Panther Public Adjusting, we: ✅ Review your policy for free ✅ Challenge wrongful denials ✅ Negotiate with the insurance company ✅ Maximize your claim payout
Hiring a public adjuster levels the playing field and ensures you don’t get shortchanged.
Discover the secrets to a smooth claims process.
Take Action Now – Don’t Let Them Underpay You!
🚨 If your insurance adjuster has denied, delayed, or underpaid your claim, it’s time to fight back!
📩 Submit your policy for a free review – Email Claims@PantherPA.com today! 📞 Call us now at 833-726-8437 and let’s get you the payout you deserve! 💻 Get expert help NOW!