Panama City & Florida Panhandle Public Adjusters
Property damage in the Panhandle?Know what your insurance claim should cover.
Our Panama City Public Adjusters inspect the property, document the damage, review your policy, prepare a detailed repair estimate, and present your property insurance claim to the insurance company with the support needed to pursue the maximum settlement available under your coverage.
Tell us what happened. We'll review your loss at no cost.
Free Claim Review
A few quick details and a licensed Public Adjuster from our Panama City office will follow up shortly.
Thank you. A licensed Public Adjuster will reach out shortly. If you need help right now, call (850) 600-4154.
Panhandle Property Takes Weather Differently
This stretch of coast has been rebuilt in layers. Post-Michael construction on newer code sits next door to houses that went up decades earlier, and the two do not fail the same way in a storm. Older beach cottages, brick ranches through Lynn Haven and Callaway, waterfront on St. Andrews Bay and North Bay, and the condo towers out along Panama City Beach all carry their own problems.
Roofs are where most of it starts. Shingles, standing seam and exposed fastener metal, and low slope sections over additions and porches that were never the same system as the main roof. Wind lifts an edge, wind driven rain gets underneath, and nothing shows on a ceiling until weeks later. Screen enclosures, soffit, fascia and gutters get skipped constantly.
Then there is the policy. Hurricane and named storm deductibles that work differently from everything else in the coverage, wind versus flood on the same loss with two separate policies answering for it, and the docks, boat lifts, seawalls and detached structures that get left off a scope entirely. We inspect all of it and price the repair the way it will actually be performed.
Panhandle Coverage, Statewide Support
Our Panama City office serves property owners throughout Bay County, Northwest Florida, and the Florida Panhandle, from coastal and waterfront properties along the Gulf to inland homes, condos, and commercial buildings across the region. Beyond the Panhandle, VIP Adjusting's four Florida offices provide Public Adjuster representation statewide, helping homeowners and businesses with property insurance claims throughout Florida.
You pay nothing up front and nothing out of pocket. Our fee is contingent on recovery from your property insurance claim, and reviewing your loss is always free.
The Team Behind Your Claim
Every Panama City claim is handled by a licensed Florida Public Adjuster, backed by the same people who work our claims across the state. The adjuster who inspects your property is the one who builds the estimate and takes it to the carrier, so nothing gets lost being handed between desks.
Between us we carry IICRC and Xactimate certification, FAA certified drone pilots, and a licensed Florida building contractor, which means the repair is priced by people who know how it actually gets built. Put a face to it before you call.
The credentials behind every claim
Licensed and bonded in Florida, with licenses you can look up yourself through the Department of Financial Services before you sign anything.
↗ Licensed FL Building ContractorA licensed Florida building contractor on staff, so repair scopes are built the way the work actually gets done.
↗ IICRC CertifiedCertification through the IICRC, which writes the standards the restoration industry works to for water, fire, and mold losses.
↗ FAA Part 107 Drone CertifiedFAA certified drone pilots on staff, so steep roofs and large losses get documented from the air rather than guessed at.
↗ Xactimate CertifiedWe estimate in Xactimate, the same platform the carriers price claims in, so the numbers are being compared like for like.
↗ BBB Accredited BusinessBBB accredited with a 5-star rating, and a public complaint history you are welcome to read.
↗ FAPIA MemberMembers of the Florida Association of Public Insurance Adjusters.
↗ WIND Network MemberProfessional members of the Windstorm Insurance Network, which focuses on wind and hurricane claim practice.
↗Not sure where your claim stands?
Send us photos of the damage and anything the carrier has sent you so far. A Panama City Public Adjuster will look it over at no cost and tell you what your policy actually covers, where the carrier's estimate comes up short, and what you can do about it.
As your Florida Public Adjuster, we will
We read the policy, any correspondence from the carrier, and whatever estimates exist, so we know what coverage you actually have before we do anything else.
New claim or a supplement on one already open, we get it filed correctly and stay on it so it does not sit.
The carrier calls us, not you. We handle the correspondence, the requests for documents, and the follow up, and we keep you posted.
We walk the property and document everything: photos, measurements, moisture readings, and drone imaging on roofs that are not safe to walk.
We build the repair estimate line by line in Xactimate, priced the way the work will actually be performed.
Forms, proofs of loss, supporting documentation. It goes in complete and on time, with copies kept on file.
We take the carrier's position and answer it with the file: the scope, the photos, the estimate, and the policy language behind it.
We follow the payments through to the end, including supplements and recoverable depreciation that often get left behind.
Support the Full Settlement
One local team from the first inspection through the last payment, with the documentation to support every dollar of the settlement we are asking the carrier to pay.
The Difference Is in the Details
Property insurance claims are decided on what can be documented and supported. These real results compare the insurance company's initial offer with the final settlement recovered after VIP Adjusting stepped in to inspect, estimate, document, and negotiate the claim.
A named storm took the roof and drove water through the interior over the days that followed.
A supply line let go inside a wall and soaked framing, flooring and cabinetry before anyone caught it.
Forced entry and deliberate damage through the interior, plus the fixtures and contents that went with it.
Every claim is unique. Results vary based on individual policy coverage, damage, and circumstances. Past results are not a guarantee of future outcomes.
Property Damage Claims We Handle in the Panhandle
Residential, condo and commercial losses across Panama City, Panama City Beach, Lynn Haven and the wider Panhandle, including claims the carrier has already inspected, underpaid, or denied.
Frequently asked questions
What does a Public Adjuster actually do?
The adjuster the insurance company sends works for the insurance company. A Public Adjuster is licensed to work for you. We inspect and document the loss, price the repairs, read the policy, and present the claim on your behalf.
My carrier already sent an adjuster. Is it too late to call you?
No, and this is when most people call us. A carrier inspection and a first estimate are a starting position, not a final one. We compare their scope against what we document, and where repairs were missed or underpriced, we put together a supplement.
What if my claim was underpaid, delayed, or denied?
That is a large part of the work at this office. We look at the policy, the carrier's reasoning, and the damage itself, then re-document the loss and present the evidence for reconsideration.
Do you handle hurricane and windstorm claims in the Panhandle?
Yes, and it is most of what this office handles. Wind, wind-driven rain, shingle and metal roof losses, screen enclosures, and the interior damage that surfaces weeks afterward. See our hurricane and windstorm page for more.
What about flood and storm surge?
Yes. On this coast wind and water routinely land in the same loss, and carriers often split the two, with flood sitting on a separate policy entirely. Part of our job is establishing how the damage happened and which coverage answers for it.
Can you still help with an older hurricane claim?
Sometimes. Florida sets deadlines for filing and for supplementing a claim, and they have changed over the years, so it depends on your date of loss and your policy. Send us what you have and we will tell you honestly whether there is still time.
Do you work with condo owners and associations?
Both. Condo losses usually involve figuring out where the association's master policy ends and the unit owner's HO-6 coverage begins, and we take claims on either side of that line.
Do you handle commercial property claims?
Yes. Owners and tenants, including the building, tenant improvements, equipment and contents, and business interruption while the space cannot be used.
How far do you travel from Panama City?
Anywhere in Northwest Florida, and anywhere in the state. Panama City is home and most of this office's work sits in Bay County, but we also handle claims out to Mexico Beach and Port St. Joe, west along the coast to Destin, Fort Walton Beach and Pensacola, and inland toward Marianna and Tallahassee.
When should I call?
Sooner is better, ideally before you file, so the loss is documented while the evidence is fresh. That said, we take files at any stage, including claims that have been open for months.
What does it cost?
Consultations are free, and we work on contingency: a percentage of your settlement, with no upfront costs. If your claim doesn't result in a payout, you owe us nothing.
We Handle Claims With Every Carrier
The companies below are a sample of who we deal with. We work with all carriers, so if your policy is with someone not shown here, we handle that too.
VIP Adjusting is an independent Public Adjusting firm representing policyholders. We are not affiliated with, or endorsed by, any insurance carrier.