Hurricane Isaias damage? Get the full insurance payout you're owed.

Under Florida Statute 627.70132, the date of loss for a hurricane is the landfall date (October 9, 2026). Notice of a new or reopened claim must generally be given within 1 year — by October 9, 2027. Supplemental claims for additional damage must be reported within 18 months — by April 9, 2028. Your policy may have shorter notice requirements, so report as soon as possible.

Isaias made landfall near Destin as a Category 2 hurricane. The heaviest wind, surge, and tree damage was reported across the western Florida Panhandle, including Escambia, Santa Rosa, Okaloosa, Walton, and Bay counties, with heavy rain and outages extending inland into Alabama and Georgia.

Wind damage — including roof damage, fallen trees on covered structures, and rain that enters through a wind-created opening — is typically covered by a Florida homeowners policy, subject to your separate hurricane deductible. Storm surge and rising water are usually excluded and covered instead by a flood policy (NFIP or private).

Most Florida policies have a separate hurricane deductible, usually 2%, 5%, or 10% of your dwelling coverage (Coverage A), that applies to losses from a named hurricane. That is why it is critical to capture every item of damage in the first estimate — small omissions can make a claim fall below the deductible.

A licensed public adjuster works for you, not the insurance company. We inspect and document the damage, review your policy, prepare a detailed repair estimate, submit the claim, and negotiate with your insurer. The insurance company's adjuster works for the insurer.

There is no upfront cost — we are paid a percentage of what we recover, so if there is no recovery, there is no fee. Florida law caps public adjuster fees on claims from a Governor-declared state of emergency at 10% during the first year after the event. Isaias is covered by a state-of-emergency declaration.

Yes. If the payment does not cover the real cost of repairs, or the claim was denied, we can review the insurer's estimate and the denial letter, document what was missed, and pursue a reopened or supplemental claim within the deadlines.

Florida law generally requires insurers to pay or deny a property claim within 60 days after receiving notice, unless factors beyond their control reasonably prevent it. Keep a record of every communication so delays can be documented.

No — make reasonable temporary repairs right away to prevent further damage (tarps, board-ups, drying), and keep receipts. Document everything first. Hold off on permanent repairs until the damage has been fully inspected and documented.

A federal emergency declaration was approved for Florida. Whether FEMA Individual Assistance is available depends on later designations for your county — check DisasterAssistance.gov. FEMA aid does not replace insurance, so file your insurance claim either way.