Public adjusters serving Panama City Beach, Florida

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.

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).

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.