If you are here on vacation and you rent a private home in Panama, you'll have to take any issue up with the owner or property manager of the home. Panama is not a litigious society, and even it if were, any legal process would take months, if not years.
If you're staying at a hotel, obviously the hotel or vacation rental provider should have someone onsite to aid you if you had an issue during your stay.
The bottom line is to get this type of thing clarified before you even come on vacation. Don't take anything for granted. Get it in writing. That way you'll be sure of what your rights are and what to do if something happens.