Insurance Adjusters Near Me
When and Why to Hire a Public Adjuster
Sam was awesome to work with. He and the other people he brought in to help with our claim we're awesome aswell. I highly recommend Panther Public Adjusting they
Insurance Adjusters Near Me
When and Why to Hire a Public Adjuster
When disaster hits—whether from fire, water, hurricane, or unexpected damage—the insurance claims process can quickly become overwhelming. That’s when searching for insurance adjusters near me isn’t just smart—it’s essential.
At Panther Public Adjusting, we work exclusively for policyholders to ensure you receive the full compensation you deserve. Unlike insurance company adjusters who aim to minimize payouts, our licensed public adjusters are your personal claim advocates from start to finish.
In this guide, we’ll break down the key moments to hire a public adjuster, what makes them invaluable, and how early intervention can help you secure a larger, faster settlement.
What Is a Public Adjuster?
A public adjuster is a licensed insurance claims expert who represents you—the policyholder—during an insurance claim. They:
Interpret and apply your insurance policy correctly
Inspect and document all damage
Prepare detailed cost estimates using industry tools like Xactimate
Handle communications and negotiations with the insurance company
Fight for a maximum payout—not the minimum
Unlike company adjusters who work for your insurer, we work for you. That single difference can be the turning point in your recovery.
📞 Ready for help now? Call us at 833-726-8437 or email Claims@PantherPA.com for a free consultation.
When to Hire a Public Adjuster: 4 Critical Scenarios
1. Severe Property Damage Has Occurred
If your property has been impacted by a fire, flood, storm, or burst pipe, it’s time to bring in a public adjuster. These complex losses often include hidden costs, temporary housing, and layered structural damage that insurers may overlook.
2. You’re Overwhelmed by the Claim Process
From confusing policy language to tedious documentation and negotiations, the process can feel like a second full-time job. A public adjuster will handle everything on your behalf—saving you time, stress, and costly mistakes.
🚨 Avoid This Trap: One wrong move with your insurer can cost thousands.
3. The Insurance Offer Seems Too Low
Insurers often issue low initial settlements. If your payout doesn’t feel right, it probably isn’t. We’ll review your claim, assess the real damage value, and fight for what you’re truly owed.
4. Your Claim Was Denied
A denied claim isn’t the end—it’s often the beginning of your real fight. Whether it’s due to poor documentation or policy misinterpretation, we know how to challenge denials and reopen claims successfully.
Benefits of Hiring a Public Adjuster Early
Complete, accurate damage documentation
Professional estimates that insurers respect
Faster processing of required forms
Strategic negotiation with insurance carriers
Less stress and more time for recovery
Higher settlement potential
🎯 Free Claim Review Available – Start Here »
Public Adjuster vs. Insurance Company Adjuster
| Feature | Insurance Adjuster | Public Adjuster |
|---|---|---|
| Represents | Insurance Company | You, the Policyholder |
| Payment Source | Paid by Insurance Company | Percentage of Your Settlement |
| Goal | Minimize payout | Maximize payout |
| Availability | Limited | You choose who and when |
🛑 Always verify adjuster credentials through your state’s Department of Insurance.
Searching for Insurance Adjusters Near Me?
Panther Public Adjusting has helped recover over $75 million for policyholders like you. Whether you’re in Florida, Georgia, the Carolinas—or nationwide—we’re your first call when the insurance company isn’t playing fair.
📞 Call 833-726-8437 or email Claims@PantherPA.com for your free, no-obligation claim review.
FAQs About When to Hire a Public Adjuster
What does a public adjuster do that an insurance adjuster doesn’t?
A public adjuster works only for you, not the insurance company. They evaluate your damage, interpret your policy, document your loss, and negotiate for a higher, fairer settlement. In contrast, an insurance adjuster works to protect the insurer’s financial interests.
When is the best time to hire a public adjuster?
The earlier the better. Hiring a public adjuster immediately after the damage occurs helps ensure your claim is documented correctly from the beginning, reducing the risk of denials or low settlements.
Do I really need a public adjuster if the damage is small?
For minor damage, you might be able to handle the claim yourself. But if the loss is complicated, denied, underpaid, or involves multiple layers of damage (like roof + water + mold), having a public adjuster often results in a much better outcome. In addition, many times homeowners may mistakenly think the damage is minor, not realizing that it can result in a significant claim.
What if my claim has already been denied?
You can still hire a public adjuster. Many clients do so after an initial denial. A skilled adjuster can review your file, identify mistakes or missing documentation, and reopen the claim if it was wrongfully rejected.
How does a public adjuster get paid?
Public adjusters are typically paid a percentage of your insurance payout— There’s usually no upfront cost, and the adjuster’s job is to help you get more than you would on your own.
Can I switch to a public adjuster if I already started the claim myself?
Yes, in most cases you can still bring in a public adjuster even after the claim has started—especially if it’s been delayed, underpaid, or you’ve hit a wall with your insurance rep.
What are common mistakes homeowners make when handling claims without help?
Accepting the first settlement offer too quickly
Not fully documenting damage (especially hidden or mold-related)
Signing releases without understanding them
Misunderstanding policy language
Missing deadlines or claim requirements
Avoid these mistakes by reading this expert guide.