The Shocking Incident: A Homeowner’s Nightmare
Just because your insurance company says something doesn’t make it true. At Panther Public Adjusting, we recently handled a case that perfectly illustrates why you should always verify your insurance company’s decisions rather than taking them at face value.
A homeowner approached us immediately after a shocking incident at their Airbnb rental property. Unlike many policyholders who wait until after a dispute arises, this homeowner made the smart decision to hire Panther Public Adjusting from day one, ensuring that their claim was handled correctly from the start.
A drive-by shooting riddled the home with more than 20 bullets, causing extensive damage to the stucco, windows, doors, and even the kitchen cabinets. The total damage exceeded $70,000.
When the homeowner called us, they assumed their insurance policy would cover all the damages—but the insurance company had other plans.
📞 If you’ve suffered property damage, call us now at 833-726-8437 to ensure your claim is handled properly from the beginning.
Understanding the Insurance Policy: The Vandalism Limit Loophole
The homeowner’s policy included a $30,000 vandalism limit. However, the insurance company immediately classified the damage as vandalism and attempted to cap the payout at this amount without even writing a full estimate.
Thanks to Panther Public Adjusting’s involvement from the start, we were able to identify the misclassification right away and build a case that maximized the payout.
📩 Have an insurance policy you need reviewed? Email us today at Claims@PantherPA.com for expert feedback.
Challenging the Insurance Company’s Initial Response
The insurance company’s desk adjuster told us: “This falls under vandalism. Here’s your $30,000.” That’s when we asked a critical question: “Do you know why the house was shot up?”
His response? “I don’t know. How would I know that?”
Exactly. We believe they shot it up with the intention to murder. That distinction was crucial because the vandalism limit did not apply if the damage was a result of violence rather than willful property destruction.
💻 Don’t let your insurance company dictate your claim. Contact us now at pantherpa.com/#contact for expert representation.
Vandalism vs. Violence: The Key Distinction
Vandalism is defined as willful intent to destroy property. In this case, the perpetrators’ likely intent was not to destroy the house but to harm people inside. That distinction was crucial in ensuring that the insurance company paid what was truly owed.
After presenting this argument, we successfully negotiated a full settlement of over $70,000—far beyond the original $30,000 the insurance company tried to force on the homeowner.
📞 Need help fighting your claim? Call us today at 833-726-8437 and let us fight for you.
Steps You Should Take After Property Damage
If you ever experience property damage from vandalism, violence, or other unexpected events, here’s what you should do:
- Document Everything – Take clear, detailed photos and videos of all damage immediately.
- Contact Authorities – If a crime was committed, file a police report as soon as possible.
- Review Your Insurance Policy – Understand your policy’s coverage limits and exclusions.
- Do Not Settle Too Quickly – Insurance companies may try to get you to accept a low payout early.
- Hire a Public Adjuster Immediately – A professional can ensure your claim is properly classified and fully paid.
📩 Don’t wait until the insurance company limits your payout. Send us your policy for review now at Claims@PantherPA.com.**
Why Working with a Public Adjuster from Day One Makes a Difference
Insurance companies have teams of adjusters and attorneys working to protect their bottom line—not your best interests. Hiring a public adjuster from the beginning levels the playing field by ensuring you have an expert advocating for you.
💻 Have questions? Reach out today at pantherpa.com/#contact.**
How We Help:
- We review your policy to ensure you’re getting the correct classification of damage.
- We negotiate directly with the insurance company so you don’t have to.
- We maximize your payout, ensuring you get what you deserve—not just what the insurer offers.
- We save you time and stress by handling all the paperwork, documentation, and follow-ups.
- We assist in gathering police reports and evidence to strengthen your claim.
Don’t Let Your Insurance Company Get Away With It—We Can Help!
If you’ve suffered damage due to vandalism, violence, or other property incidents, let us help you get the maximum settlement you deserve.
📞 Need immediate assistance? Call 833-726-8437 now! 📩 Submit your policy for a free review: Claims@PantherPA.com. 💻 Visit us online for more information: pantherpa.com/#contact.
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Don’t let your insurance company take advantage of you. Get the help you need today!