Introduction: Are Insurance Claims Really Denied Unfairly?
Imagine experiencing severe property damage, filing an insurance claim, and expecting the financial support you’ve paid for—only to be denied or told your damage is below your deductible. This is the reality for thousands of homeowners every year, particularly in Florida, where insurance companies often try to minimize payouts.
A recent Tampa Bay Times investigation revealed a shocking statistic: In just one year, Citizens Property Insurance denied or underpaid 50.4% of claims, affecting nearly 177,000 homeowners. This isn’t an isolated incident; it’s a trend across multiple insurers.
At Panther Public Adjusting, we’ve seen countless homeowners get denied or lowballed by their insurance companies, only to later receive six-figure payouts when we step in. If your claim has been denied or undervalued, don’t take their word for it—you might be entitled to far more.
📞 Call us at 833-726-8437 or contact us for a free claim review.
Why Insurance Companies Deny or Underpay Claims
Insurance providers make billions in profits each year by paying out as little as possible. Here’s how they do it:
- Claiming the damage isn’t covered – They might argue that your damage is due to “wear and tear” or a pre-existing condition.
- Lowballing repair estimates – Insurers often use their own adjusters who minimize damage assessments.
- Citing “below deductible” damage – Many claims are wrongly categorized as not exceeding the deductible threshold.
- Delaying payments – They might stall until you’re too frustrated to keep fighting.
- Misinterpreting policy terms – Insurers use complicated wording to justify denials.
Don’t let them take advantage of you! Panther Public Adjusting fights back to get you the money you deserve.
📩 Email us at Claims@PantherPA.com for a free policy review.
The Power of Proper Documentation
One of the most critical factors in getting a successful insurance payout is proper documentation. Insurance companies will look for any missing details to justify denying or underpaying your claim. Here’s what you should document immediately after experiencing damage:
- Photos and Videos – Capture every angle of the damage before making any repairs.
- Receipts and Invoices – Keep records of all temporary fixes, contractor estimates, and repair costs.
- Correspondence – Save all emails and letters exchanged with your insurance company.
- Weather Reports – If your claim is related to a storm or natural disaster, obtaining a local weather report can help prove your case.
This level of preparation strengthens your position when dealing with insurers and helps public adjusters like Panther Public Adjusting advocate for your maximum payout.
Real-Life Stories: Huge Payouts After Insurance Denials
We’ve handled hundreds of cases where homeowners were initially denied or underpaid—only to later receive massive settlements after we stepped in. Here are a few examples:
🔹 Case Study: Homeowner Told “No Damage” – Later Paid $150,000
A Florida homeowner suffered severe wind damage after a storm. Their insurer denied the claim, stating the damage was “cosmetic.” When we got involved, we provided expert reports and photos proving structural damage. The final payout: $150,000.
🔹 Case Study: Insurance Offered $8,000 – We Secured $330,000
A homeowner filed a claim after a major hurricane. The insurance company initially offered just $8,000. Our team meticulously documented every aspect of the damage, engaged engineers, and negotiated aggressively. Final payout: $330,000.
🔹 Case Study: Roof Claim Originally Denied – Final Settlement Over $200,000
Another Florida homeowner filed a roof claim after significant storm damage. The insurance company initially denied the claim entirely, saying the damage was pre-existing. Our adjusters gathered evidence, consulted roofing experts, and proved that the storm was responsible. The homeowner ultimately received over $200,000.
If your insurance company has denied or lowballed your claim, don’t give up. We can help.
📞 Call us now at 833-726-8437 for a free consultation.
What You Can Do If Your Claim Is Denied
If your claim has been denied, don’t accept it as the final answer. Here’s what you should do:
- Review Your Policy – Understand your coverage and compare it to the insurer’s reasoning.
- Document Everything – Take photos, keep receipts, and write down any conversations with adjusters.
- Request a Second Opinion – Hire a public adjuster who works for you—not the insurance company.
- File an Appeal – Many denied claims can be successfully appealed with additional documentation.
- Consider Legal Action – If your insurer acts in bad faith, legal action may be necessary.
🔍 **Learn more: **What Happens to My Policy When I File a Claim?
Why You Should Hire a Public Adjuster
A public adjuster is your advocate when dealing with insurance companies. Unlike the insurer’s adjuster—who works to protect their bottom line—we fight to maximize your payout.
✔ We handle all communication – No more back-and-forth with frustrating insurers. ✔ We document damages properly – Detailed reports ensure you get paid what you deserve. ✔ We negotiate aggressively – Insurance companies don’t like us, but our clients do. ✔ We work on contingency – We don’t get paid unless you do, ensuring we fight for your maximum compensation.
🏡 Read more: Pros of Using a Public Adjuster.
Final Thoughts: Don’t Let Insurers Get Away with It!
If your insurance company has denied or undervalued your claim, you have options. Panther Public Adjusting has recovered millions for Florida homeowners just like you.
📞 Call 833-726-8437 now for a free case review. 📩 Submit your claim for review: Claims@PantherPA.com. 🌐 Contact us** today and take back what’s yours!**