TL;DR (Too Long; Didn’t Read)
Insurance companies often use delay tactics, lowball offers, and misleading adjusters to underpay or deny your Florida property insurance claims. Panther Public Adjusting fights back on your behalf, ensuring you’re paid what you truly deserve. From Saint Petersburg to Venice, we help homeowners reopen claims, dispute unfair settlements, and win real results. You don’t have to face the insurance system alone — let a licensed public adjuster advocate for you from the start.
Pulling Back the Curtain: The Truth About Insurance Claim Tactics in Florida
If you’ve ever felt frustrated, ignored, or shortchanged after filing a property insurance claim in Florida, you’re not alone. At Panther Public Adjusting, we’ve seen how the system works and we’re here to reveal what your insurance company doesn’t want you to know.
I’m Mendy, and this is My Insurance Claim Expert, powered by Panther Public Adjusting. We’ve helped hundreds of Florida homeowners from Venice to Saint Petersburg fight back against unfair insurance tactics. This post is your guide to the inside secrets of how insurers operate and what you can do to protect yourself and your payout.
Why Is Your Insurance Claim Taking So Long?
Delays are not random they are a strategy
Have you filed a claim and waited weeks or even months just to hear back from your insurance provider? It’s not a coincidence. It’s a well-documented tactic insurers use to:
- Tire you out
- Get you to accept a lowball offer
- Miss deadlines for submitting documentation
- Cause confusion and stress
We’ve represented clients in Englewood who waited over 90 days just to receive an inspection, only to get a swift denial.
That’s where Panther comes in. We hold insurance companies accountable. We apply legal pressure. We demand transparency. And we don’t let up until you get the settlement you’re owed.
📞 Don’t wait months for answers. Call us today at 833-726-8437 for a free claim consultation.
The Lowball Game: The First Offer is Rarely Fair
Here’s a real example
A Florida homeowner received an initial offer of $4,200 to cover a water-damaged kitchen. Panther Public Adjusting reviewed the scope, assessed the damage properly, and submitted a real estimate. The final result? A $38,000 payout.
This isn’t an isolated case — it’s a pattern.
Why the first offer is so low:
- Homeowners often don’t know the full cost of materials and labor
- Insurance companies hope you won’t challenge them
- Adjusters work for the insurer not for you
If this sounds familiar, you’re not alone. In fact, it’s happening every day. Learn more in our detailed post on how insurance companies underpay claims and how to fight back.
Who Does the Insurance Adjuster Really Work For?
After your claim is filed, an adjuster shows up. He’s got a badge, a clipboard, maybe even a friendly smile. But here’s the truth:
👉 He works for the insurance company not for you.
This means:
- Their goal is to limit the insurance company’s liability
- They may skip damaged areas during inspection
- They could intentionally minimize the scope of loss
- You might hear “this isn’t covered” even when it is
At Panther, we see this all the time. That’s why you need your own licensed public adjuster — an expert who advocates for you from day one.
📧 Submit your policy for a free review. Email our team at Claims@PantherPA.com and let’s take a look.
Florida Law Is on Your Side — Use It
What your insurance company won’t tell you is that you are legally allowed to hire your own public adjuster. We’re licensed by the same state authority that licenses their adjusters.
So why not have someone on your side?
At Panther, we’ve helped Florida homeowners reopen denied claims, dispute underpayments, and achieve fair settlements even long after the insurer tried to close the case.
Explore what happened to homeowners when their roof claims were wrongfully denied. You might be shocked how often it happens.
The System Favors the Insurance Company
The truth is, the claims system is tilted in favor of insurance companies. That’s no accident. They have attorneys, teams of adjusters, and mountains of paperwork working against you.
But knowledge changes everything.
At Panther, we empower homeowners across Florida, from Venice to Saint Petersburg, to understand their policies, their rights, and the full value of their claims.
📞 Take back control. Call Panther today at 833-726-8437 and let us fight for you.
Don’t Make These Common Insurance Mistakes
Too many homeowners unknowingly make costly errors during the claim process. If you want to avoid losing out on thousands, make sure to read our guide on the biggest insurance claim mistakes homeowners make.
And remember, your best protection is bringing in a public adjuster before your insurance company gets to set the narrative.
📧 Ready to get started? Email us at Claims@PantherPA.com and send over your policy for a free analysis.
Join the Community and Stay Informed
You don’t have to navigate your claim alone. Join our growing network of Florida homeowners committed to understanding and protecting their insurance rights.
👉 Stay informed by subscribing to our YouTube channel, My Insurance Claim Expert, where Mendy breaks down exactly what’s happening in the industry in plain English.
👉 Connect with other Florida homeowners in our Facebook group, Anything About Property Insurance Claims 101, and share your experiences.
Final Thought: You Deserve a Fair Settlement
If something feels off with your claim — it probably is. Insurance companies are trained to pay out less. You don’t have to accept that.
Let Panther Public Adjusting be your expert advocate. We work for you, not for the insurer. And we don’t stop until you get what you deserve.
✅ Contact us now for a free consultation
✅ Submit your policy to Claims@PantherPA.com for a fast review
✅ Or just give us a call at 833-726-8437
❓ Frequently Asked Questions
1. What is a public adjuster, and why should I hire one?
A public adjuster is a licensed insurance professional who represents you, not the insurance company, in a property damage claim. Unlike the insurance company’s adjuster, a public adjuster works to maximize your payout and ensure all damages are properly documented and covered. Hiring one can dramatically improve your claim outcome.
2. Can I still hire a public adjuster if my claim was already denied or underpaid?
Yes, absolutely. Panther Public Adjusting specializes in reopening denied or underpaid claims and has helped hundreds of Florida homeowners get the settlements they truly deserve — even after the insurer tried to close the case.
3. How much does it cost to work with Panther Public Adjusting?
We work on a contingency basis, which means we only get paid if we recover more money for you. There are no upfront fees. If we don’t increase your settlement, you don’t pay us.