Hurricane claim response updated October 12, 2026
Fast help documenting wind, water, roof and business losses in Pensacola, Destin, Panama City, Marianna and nearby Florida communities.
Representative Florida hurricane damage photo
On October 9, 2026, the National Hurricane Center reported a major hurricane moving toward the western Florida Panhandle and Alabama coast. Hurricane, storm-surge, flood, high-surf and tornado alerts covered parts of Northwest Florida.
Put safety first. Follow evacuation orders and local emergency guidance. Inspect property only after officials say it is safe. Forecasts and warnings can change quickly.
National Hurricane Center advisories | National Weather Service local alerts
Public updates about Isaias recovery conditions in the Florida Panhandle, plus the latest Atlantic hurricane outlook from the National Hurricane Center.
All tropical watches and warnings were dropped after Isaias moved inland, but officials continued to warn about standing water, downed trees, power lines and hazardous cleanup conditions.
Read the National Weather Service local storm statementIsaias made landfall near Destin as a Category 2 hurricane. Officials reported damaging wind, structural roof damage, flash flooding and significant rainfall across parts of the western Panhandle.
Review the National Hurricane Center Isaias advisory archiveNational Hurricane Center Atlantic basin outlook with current tropical systems and their development chances.
Read the latest National Hurricane Center Atlantic updateNo tropical cyclones as of Thu, 29 Oct 2026 23:49:08 GMT
Read the latest National Hurricane Center Atlantic updateThe Atlantic feed refreshes automatically from the National Hurricane Center. For immediate danger, follow local emergency officials and weather alerts.
Wait for official clearance, avoid standing water and downed lines, and call emergency services for immediate hazards.
Capture every room, exterior side, roof edge, opening, water line, damaged item and debris path before cleanup.
Use reasonable temporary protection when safe. Photograph before and after the work and keep every invoice.
Wind and flood damage are documented separately because homeowners and flood policies can cover different losses.
Give the insurer written notice and keep the claim number, adjuster details, emails and a log of every call.
Do not assume the first scope includes hidden water, code work, matching, contents or business interruption.
Roof uplift, broken windows and rain entering through a storm-created opening can belong to a homeowners or commercial policy. Rising water and storm surge usually require separate flood coverage. Contents, temporary housing, rental income and business interruption can each have their own limits and proof requirements.
People Claims documents each cause and coverage category before the evidence disappears, then compares the carrier estimate with the actual repair scope and policy.
Escambia County: Coastal wind, surge, roof and rain damage.
Okaloosa County: Condos, rentals, marinas and waterfront businesses.
Bay County: Wind, water, commercial and prior-damage disputes.
Jackson County: Trees, roofs, barns, equipment and inland wind damage.
Florida declared a state of emergency for Hurricane Isaias. Under Florida law, a public adjuster may charge no more than 10 percent of claim payments for a claim based on the declared emergency during the first year after the declaration.
For a contract tied to the declared emergency, the policyholder may cancel without penalty within 30 days after the loss or 10 days after signing, whichever is longer. Review the written contract and keep a complete copy.
Florida Department of Financial Services public-adjuster guidance | Florida Executive Order 26-211
Make sure everyone is safe, follow local emergency instructions, prevent additional damage when it is safe, photograph conditions before cleanup, report the loss promptly and save every receipt.
Standard homeowners policies generally exclude flood and storm surge. Wind damage and rain entering through a storm-created opening may fall under the homeowners policy, while rising water may require a separate flood claim.
No. Wind and flood damage are documented separately because different policies and coverage rules can apply. Photographs, water lines, debris patterns and the timing of damage help establish cause.
Florida law limits public-adjuster fees to 10 percent of claim payments for claims tied to a governor-declared emergency during the first year after the declaration. Your written contract must disclose the fee and cancellation rights.
Yes. A licensed Florida public adjuster can review the policy, carrier estimate and damage documentation, identify omitted items and prepare a supplemental or reopened claim when the facts and deadlines allow it.
Get a free claim review from a licensed Florida public adjuster.
Call (850) 880-8376