TL;DR: Hiring a public adjuster ensures Florida homeowners get the full payout they’re entitled to after property damage. Insurance companies send adjusters to protect their bottom line; public adjusters work for you. From cities like Sarasota and Tampa to Miami and Jacksonville, Panther Public Adjusting helps you file claims, fight low-ball offers, and recover faster.
Most homeowners in Florida cities like Fort Lauderdale, Lakeland, and Clearwater think filing a property insurance claim is a straightforward process—until it turns into a nightmare. The damage is real, the stress is overwhelming, and the payout? Often a fraction of what’s truly needed to recover.
This is where a public adjuster becomes your greatest ally. In this article, we break down what a public adjuster does, how they’re different from your insurance company’s adjuster, and why hiring one from the start can be the difference between stress and success.
I’m Mendy with My Insurance Claim Expert, brought to you by Panther Public Adjusting, and we’re here to make sure you get what you’re owed—not just what your insurance company wants to offer.
💼 What Is a Public Adjuster?
A public adjuster is a state-licensed insurance expert who works for you, not the insurance company. Our mission? To evaluate property damage, document it thoroughly, and file your insurance claim accurately so you get the maximum payout possible.
Whether you’re in Cape Coral, Gainesville, or Delray Beach, public adjusters like us ensure your claim is handled with precision and advocacy.
While your insurer sends their own adjuster to assess your claim, it’s important to understand: their adjuster’s priority is saving the insurance company money, not helping you recover.
By contrast, public adjusters build your case from the ground up with your best interest in mind. We’re your claim bodyguards, ensuring no detail is overlooked and no corner is cut.
🔍 Why You Can’t Rely on the Insurance Company’s Adjuster
Let’s be clear: the insurance adjuster is not your friend.
In Florida cities like Naples, Brandon, and Ocala, we’ve seen how adjusters sent by insurers delay, underpay, and even deny valid claims.
They may seem polite and helpful, but their job is to minimize payouts. They assess damages with the company’s bottom line in mind. That often leads to low-ball offers, delayed responses, and denied claims—leaving homeowners frustrated and underpaid.
Public adjusters do the exact opposite. We:
- Inspect and document every bit of damage
- Understand policy language and hidden coverage
- Negotiate aggressively to maximize your payout
This isn’t just theory. At Panther Public Adjusting, we’ve helped homeowners in Sarasota, Tampa, and Palmetto recover millions in underpaid and denied claims. Learn how we fight for top settlements in Palmetto.
🕒 When Should You Hire a Public Adjuster?
The best time to bring in a public adjuster is before you file a claim. Doing so helps avoid common mistakes that can cost you thousands or even lead to a denial.
Homeowners from cities like Kissimmee, Weston, and Port St. Lucie should know: getting professional help early makes a world of difference.
You should also call a public adjuster if:
- Your damage is large or complex (think fire, mold, water, or hurricane)
- You’ve received a low-ball settlement offer
- Your claim has been denied
- You’re getting the runaround from your insurance company
Even if your claim has already been filed—or even denied—it’s not too late. We can often reopen claims and increase your payout.
Need immediate help? Call us today at 833-726-8437 or email your policy to Claims@PantherPA.com for a free review.
💸 Myth-Busting: Are Public Adjusters Expensive?
One of the most damaging myths we hear is: “Public adjusters are too expensive.”
False.
We don’t get paid until you get paid. And with homeowners receiving on average 7.5 times more on their claim when they use a public adjuster, we more than pay for ourselves.
Whether you’re in Hollywood, Daytona Beach, or Plantation, our fees are performance-based—we succeed only if you do.
Think about it this way—would you go to court without an attorney? Then why go up against an insurance company without a professional on your side?
If you’re in Saint Petersburg, learn how we help homeowners there get full payouts.
🔥 The Most Common Claims We Handle
From Jacksonville to Hialeah to Boynton Beach, we handle a wide range of property damage claims, including:
- 🌀 Hurricane damage
- 💧 Water and mold damage
- 🔥 Fire and smoke damage
- 🧱 Structural damage
- 🌪️ Storm and wind damage
Check out our insights on hurricane preparedness and why it’s so important to act early.
If you’re dealing with roof leaks or plumbing issues, you’ll also find helpful advice in our blog on bathroom leak fixes.
🛑 Common Mistakes That Cost Homeowners Thousands
In Orlando, Coral Springs, and Palm Bay, we’ve seen it all: major claim errors that cost homeowners dearly.
One major mistake? Depositing the insurance company’s check too soon. It could count as accepting their offer and waive your right to dispute it.
Another? Failing to document damage properly. You’d be amazed how often crucial evidence is missing.
Read more in our post on how to avoid the insurance check trap and why photos are your best friend.
🌆 Helping Homeowners Across Florida
From Miami to Venice, Englewood to Ruskin, our team at Panther Public Adjusting has helped Florida families secure the insurance payouts they deserve.
Check out some of our city-specific success stories:
- Trusted public adjusters in Englewood
- Maximum payout advocates in Ruskin
- Top-rated support for Venice homeowners
🎥 Want More Help Like This?
We regularly post videos breaking down insurance tips, claim stories, and ways to fight back against lowball tactics. Visit our YouTube channel, My Insurance Claim Expert, for more great content.
Also, join our Facebook community Anything About Property Insurance Claims 101—a safe space to ask questions, share stories, and connect with other Florida homeowners.
☎️ Ready to Get Help?
Don’t wait for your insurance company to play games with your livelihood.
👉 Call our team at 833-726-8437
👉 Submit your policy for review at Claims@PantherPA.com
👉 Contact us directly through our website
Let Panther Public Adjusting handle the stress while you focus on recovery. We work for YOU, not your insurance company.
🌐 Frequently Asked Questions (FAQ)
Q1: Can I hire a public adjuster even after I’ve filed a claim in Florida?
Yes! Even if you’ve already filed or your claim was denied, Panther Public Adjusting can reopen the case and often secure a higher payout. We work with homeowners across Florida cities like Cape Coral, Orlando, and Fort Myers.
Q2: What does a public adjuster do that my insurance company’s adjuster doesn’t?
Your insurance company’s adjuster protects their profits. A public adjuster from Panther Public Adjusting protects your interests by thoroughly documenting damage, interpreting policy coverage, and negotiating the best possible settlement.
Q3: How much does it cost to hire a public adjuster in Florida?
There are no upfront costs. We don’t get paid until you do. In cities like Hialeah, Naples, and Palm Coast, our clients often recover significantly more than they would on their own.