The outlook is bleak for many property owners facing staggering property damage costs without help from their insurance carriers…but if you’ve submitted a property insurance claim in the last few years, you probably know about the claim denial crisis firsthand. 

A new study from the Wall Street Journal found that “the five biggest home-insurers as a group didn’t pay out on more than 44% of claims resolved last year, forcing homeowners and renters to fund repairs out of their own pockets.” 

The insurance companies included in the study were State Farm, Allstate, Liberty Mutual, United Services Automobile Association (USAA), and Farmers Insurance. 

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Tiger Adjusters® is well-versed in navigating claims with the big five insurance companies, which are notorious for giving policyholders the runaround. We secured $11.4 million in settlements for our clients in 2025 alone. Read a real success story >>

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The truth behind the insurance industry 

When you submit a claim to your insurance company, they will send out an insurance adjuster to inspect the damage. The thing is, that adjuster works for the insurance company. And the insurance company makes money by taking as much as they can in monthly premiums, and paying out as little as possible on claims. 

So, consciously or not, the insurance adjuster is likely to approach your claim from the angle of trying to disprove that the damage came from a covered loss under your policy—and failing that, they’ll try to find ways to minimize the settlement payout. 

Because at the end of the day, it is the insurance adjuster’s job to protect the insurance company’s best interests. Not yours. 

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Don’t get confused. The insurance adjuster is not on your side. They work for your insurance company, not for you. Learn more about the difference between an insurance adjuster and a Public Adjuster.

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How you can protect YOUR bottom line

Unfortunately, regulatory forces have been slow to take action on behalf of homeowners and commercial property owners, who are being hit with the double-whammy of rising premiums and diminished coverage. At the same time that nearly half of all property damage claims are being denied without payment, the Consumer Federation of America found that homeowners' insurance premiums increased in 95% of U.S. ZIP codes between 2021 and 2024. 

What does this brutal property insurance landscape mean for insured policyholders? What recourse do you have when the insurance company issues a claim denial that leaves you holding the bag after a damage event?

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When you have property damage, the best way to protect your interests is to hire a Public Adjuster to represent your claim. 

Public Adjusters are licensed insurance experts and trained consumer advocates who are on your side in the fight to hold insurance carriers accountable. 

Public Adjusters handle every part of the claims process, from conducting an inspection, documenting damage, and writing a damage estimate, to handling all communications with your carrier and negotiating for fair coverage under your policy. If you’ve experienced a wrongful claim denial, a Public Adjuster can review your file, appeal the decision, and reopen your claim.

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Don’t risk it—the stakes have never been higher. 

One pitfall during a major property insurance claim can trigger a claim denial and cause long-term financial stress from covering costs out-of-pocket. Cases of serious, costly damage can potentially also diminish the value of your real estate asset if you are unable to complete repairs and restore your home to its pre-loss condition. 

Additionally, in some states, filing multiple claims in a short period of time can lead to even higher premiums or nonrenewal, because insurers label the policyholder as a higher risk. For example, the Independent Insurance Agents of Texas cites state law that stipulates, “If the insured files two claims in a period of less than three years [that are not tied to natural causes], the company may notify the insured in writing that filing a third claim may result in nonrenewal.”

Avoid wrongful claim denials and reach a fair settlement faster with help from Tiger Adjusters®, your claim solution champions.