01 / WIND & ROOF
Roof & exterior damage
Missing shingles, damaged flashing, fallen branches, broken windows, and damage to fences or screen enclosures.
Messeri & Associates · Pensacola, Florida
Pensacola Storm Damage
Claim Review
Prepare before the storm. Know your next step after it. Our licensed public adjusters help property owners document damage and navigate their insurance claims.
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
Before & after the storm
Protect your property.
Preserve your claim.
A clear record can make a difference. Take these steps only when it is safe, and never delay evacuation to document your property.
Before: record your property's condition
Photograph rooms, belongings, and the exterior from safe ground level. Keep your policy, insurer's contact information, and an inventory somewhere you can access away from home.
After: document damage safely
Wait until authorities say it is safe to return. Take photos and videos before cleanup when possible. Avoid roofs, floodwater, downed power lines, and unstable structures.
Prevent further damage & keep receipts
Arrange safe, reasonable temporary protection. Save repair, cleanup, and lodging receipts. Preserve damaged items when safe, or document them before disposal.
Report the loss & review your next step
Notify your insurer promptly and keep a record of communications. Our team can review your situation, explain the claim process, and discuss whether public adjusting services are appropriate.
Serving the Pensacola area
Pensacola · Pensacola Beach · Perdido Key · Cantonment · Ferry Pass · Gulf Breeze · Navarre
Request your free review
Tell us about your property and where you are in the claim process.
Storm-related property claims
More than what you can see from the street.
Wind and water can affect different parts of a property—and different insurance coverage. We help you understand and document the loss.
02 / WATER INTRUSION
Interior water damage
Storm-related leaks, wet ceilings, damaged flooring, and moisture that may need professional assessment.
03 / FLOOD & SURGE
Flood-related losses
Flood and storm surge typically require separate coverage. We can discuss documentation and the policy that 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
Pensacola storm claim questions
Can I contact you before the storm?
Yes. We can discuss general claim preparation and documentation. We are not an emergency response service or a source of weather forecasts. Follow official local safety instructions.
Should I wait to report damage to my insurer?
No. Report a loss promptly in accordance with your policy. You do not need to wait for our review to notify your insurer or take safe, reasonable steps to prevent further damage.
Is flood damage covered by homeowners insurance?
Standard homeowners policies generally exclude flood and storm surge. Separate flood insurance may apply. Wind-driven rain and other water damage can involve different coverage; your policy and the cause of damage matter.
What does a free initial review include?
An initial conversation about your property damage, available documentation, and claim status. If representation is appropriate, we discuss the services, fees, and written agreement before you decide whether to retain us.
What if my claim has been denied or underpaid?
We can review the insurer's decision and your documentation to discuss possible next steps. Deadlines and available options vary, and a review does not guarantee that a claim can be reopened or that additional payment will be made.
Parlez-vous français?
Oui, nous parlons français. Appelez-nous au (305) 494-5820 pour discuter de votre propriété et de votre réclamation en français. Consultez notre page Pensacola en français →
Start with a conversation.
Pensacola property damage? Let's talk about your next step.
This is a solicitation for business. If you have had a claim for an insured property loss or damage and you are satisfied with the payment by your insurer, you may disregard this advertisement.