01 / WIND & ROOF
Roof & exterior damage
Missing or lifted shingles and tiles, damaged flashing, broken windows, impact from debris and trees, and damage to fences, pool cages, and screen enclosures.
Hurricane Isaias · Florida Panhandle · Updated October 9, 2026
Hurricane Isaias
Insurance Claim Help
Wind, roof, water, or flood damage from Hurricane Isaias? Our licensed public adjusters help Panhandle homeowners, businesses, and associations document the loss and navigate the insurance claim, from Pensacola to Panama City.
We represent policyholders, not insurance companies. Nous parlons français.
Florida LicensedPublic adjusting firm #G187726
Policyholder FocusedAdvocacy for your property claim
Free Initial ReviewNo obligation to retain us
After Hurricane Isaias
Protect your family first.
Then protect your claim.
What you document in the first days after a hurricane can shape the whole claim. Take these steps only when it is safe.
Return only when officials say it is safe
Avoid floodwater, downed power lines, damaged roofs, and unstable structures. Your safety matters more than any photograph.
Document everything before cleanup
Photograph and video every room, the roof line from the ground, the exterior, and damaged belongings. Note water lines on walls and record the date and time.
Prevent further damage & keep receipts
Make safe, reasonable temporary repairs such as tarping or drying out. Save receipts for repairs, supplies, cleanup, and temporary housing.
Report the loss & get a second set of eyes
Notify your insurer promptly and keep a log of every call and email. If you have both wind and flood damage, you may have claims under more than one policy. We can review your situation and explain your options.
Serving Hurricane Isaias–affected communities
Pensacola · Pensacola Beach · Perdido Key · Gulf Breeze · Milton · Navarre · Fort Walton Beach · Destin · Niceville · Crestview · Santa Rosa Beach · Panama City · Panama City Beach · Lynn Haven
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Tell us about your property and where you are in the claim process.
Hurricane Isaias property claims
Wind, water, and flood are often different claims.
Hurricane damage frequently involves more than one cause and more than one policy. Getting the cause of each loss right is one of the most important parts of the claim.
02 / WATER INTRUSION
Interior water damage
Wind-driven rain, roof leaks, wet ceilings and drywall, damaged flooring, and moisture that can lead to mold if not addressed and documented.
03 / FLOOD & SURGE
Flood-related losses
Rising water and storm surge are typically covered by a separate flood policy. We can discuss documentation and which policy may apply.
Coverage, deductibles, deadlines, and any payment depend on your policy and the facts of the loss. No coverage or settlement is guaranteed.
Your questions, answered
Hurricane Isaias claim questions
What should I do first after Hurricane Isaias damages my property?
Make sure everyone is safe and follow official instructions before returning. When it is safe, photograph and video the damage before cleanup, take reasonable steps to prevent further damage, keep every receipt, and report the loss to your insurer promptly.
Does homeowners insurance cover Hurricane Isaias flood or storm surge damage?
Standard homeowners policies generally exclude flood and storm surge, which are usually covered by a separate flood policy such as an NFIP policy. Wind, wind-driven rain, and roof damage are typically handled under the homeowners or windstorm policy. Many hurricane losses involve both, so documenting the cause of each area of damage matters.
What is a hurricane deductible?
Florida homeowners policies often include a separate hurricane deductible, usually a percentage of the dwelling coverage rather than a flat dollar amount. Check your declarations page so you know what applies before you estimate your claim.
How long do I have to file a Hurricane Isaias claim in Florida?
Florida law sets deadlines for giving notice of property insurance claims, and they are shorter than many people expect. Report your loss to your insurer as soon as reasonably possible and review the notice requirements in your policy.
What does a public adjuster do?
A licensed public adjuster represents the policyholder, not the insurance company. We inspect and document the loss, prepare a detailed estimate, review the policy, and negotiate the claim with the insurer on your behalf. Learn more about our services →
How do I avoid storm-chaser scams after Hurricane Isaias?
Do not sign anything under pressure at your door. Verify any adjuster's license with the Florida Department of Financial Services ↗ before you agree to anything, and ask for fees and terms in writing.
Parlez-vous français?
Oui, nous parlons français. Appelez-nous au (305) 494-5820 pour discuter des dommages causés par l'ouragan Isaias et de votre réclamation en français. Consultez notre page Pensacola en français →
Helpful resources
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