Storm response updated October 9, 2026
Hurricane Isaias Damage Claims in the Florida Panhandle
Fast help documenting wind, water, roof and business losses in Pensacola, Destin, Panama City, Marianna and nearby Florida communities.
Major Hurricane Isaias reached the northern Gulf Coast
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
What to do after Hurricane Isaias
Stay safe
Wait for official clearance, avoid standing water and downed lines, and call emergency services for immediate hazards.
Photograph everything
Capture every room, exterior side, roof edge, opening, water line, damaged item and debris path before cleanup.
Prevent more damage
Use reasonable temporary protection when safe. Photograph before and after the work and keep every invoice.
Separate causes
Wind and flood damage are documented separately because homeowners and flood policies can cover different losses.
Report promptly
Give the insurer written notice and keep the claim number, adjuster details, emails and a log of every call.
Review the estimate
Do not assume the first scope includes hidden water, code work, matching, contents or business interruption.
One hurricane can create several different claims
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.
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Hurricane Isaias public adjusters in the Florida Panhandle
Pensacola
Escambia County: Coastal wind, surge, roof and rain damage.
Destin
Okaloosa County: Condos, rentals, marinas and waterfront businesses.
Panama City
Bay County: Wind, water, commercial and prior-damage disputes.
Marianna
Jackson County: Trees, roofs, barns, equipment and inland wind damage.
Fee cap and cancellation protections
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
Florida storm claim questions
What should I do first after Hurricane Isaias damages my property?
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.
Does homeowners insurance cover storm surge?
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.
Should wind and flood damage be one 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.
How much can a Florida public adjuster charge for an Isaias claim?
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.
Can People Claims review an underpaid or denied Isaias claim?
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.
Hurricane Isaias damaged your Florida property?
Get a free claim review from a licensed Florida public adjuster.
Call (954) 866-4986