10 blog posts every homeowner should read before filing a claim

Insurance companies use delay tactics to frustrate homeowners into settling for less. This blog post explains why delays happen, shares a real story of a homeowner who fought back successfully, and gives you step-by-step advice on how to protect your rights. If you’re stuck in insurance claim limbo, Panther Public Adjusting is ready to help you secure the payout you deserve.

Wildfires aren’t just a western U.S. issue. As Florida’s climate grows hotter and drier, homeowners must prepare for the increasing risk of wildfires. This guide explains how wildfires impact insurance claims, what Florida residents should watch for, and why working with a licensed public adjuster from Panther Public Adjusting can make all the difference in securing a maximum settlement.

When a hurricane strikes your Florida home, the physical damage is just the beginning. The real storm often begins afterward—when you file your insurance claim.

In this post, Mendy from My Insurance Claim Expert, powered by Panther Public Adjusting, reveals the five hurricane claim secrets your insurance company hopes you never learn.

If your roof claim was denied because the new shingles won’t match the old ones, don’t panic—matching exclusions aren’t always the final word. Florida building codes, manufacturer guidelines, and proper repair standards often require full roof replacements, even when your insurer says otherwise.

Over the past five years, Florida has become ground zero for some of the most aggressive insurance reform laws in the country —reforms that have consistently tilted the playing field in favor of insurance companies while stripping away protections from homeowners.

When disaster strikes, most homeowners assume their insurance company will cover the damage. The most common pitfalls include Actual Cash Value (ACV) vs. Replacement Cost Value (RCV), high wind and hail deductibles, anti-concurrent causation clauses, water damage limitations, and loss of use restrictions.](https://pantherpa.com/the-hidden-loopholes-insurance-companies-dont-want-you-to-know/)

If you’re a Florida homeowner insured by Citizens Property Insurance Corporation, there’s a critical change you need to know about — the introduction of the DOAH (Division of Administrative Hearings) endorsement in new policy language. This isn’t just legal fine print. It could severely limit your ability to get a fair insurance claim settlement.

In this blog post, we’ll reveal the five things you should NEVER say to your insurance adjuster and what you should say instead to protect your claim and secure the settlement you rightfully deserve.

Discovering that your insurance company has denied your roof damage claim can be frustrating and overwhelming. However, a denial isn’t final—you can fight back and win with the right strategy.

Understanding Pre-Existing Damage
Insurance companies define pre-existing damage as any harm or deterioration that existed before the event you’re filing a claim for.By labeling your recent damage as pre-existing, insurers aim to avoid paying for repairs, shifting the financial responsibility back to you.

However, insurance policies typically cover sudden and accidental damage,