Aerial view of hurricane damage to roofs and buildings

FLORIDA PANHANDLE · HURRICANE ISAIAS

Hurricane Isaias Insurance Claims in the Florida Panhandle

Licensed public adjusters for homeowners, businesses and condo associations in Escambia, Santa Rosa, Okaloosa, Walton and Bay counties.

Short answer: if Hurricane Isaias damaged your home, business or condo building, you can start a Hurricane Isaias insurance claim today. Photograph the damage, prevent further damage, and report the loss. Homeland Public Adjusters can start your claim remotely from your photos the same day, then schedule an in-person inspection. Call our Panhandle line 24/7 at (850) 808-3777. No Recovery, No Fee.

Last reviewed: October 2026

Start My Claim Panhandle (850) 808-3777

What Happened

Hurricane Isaias made landfall near Destin on the evening of October 9, 2026, as a Category 2 hurricane with 105 mph winds. Governor DeSantis had declared a state of emergency for 25 counties on October 6, and the President approved a federal emergency declaration for Florida on October 9.

What to Do Now

Photograph and video every damaged area before cleanup: roof, ceilings, walls, floors, fences, contents

Prevent further damage: tarp the roof, board windows, dry out water, and keep every receipt

Keep damaged materials, or photograph them before they are hauled away

Report the claim to your insurance company and write down the claim number

Find your declarations page and check your hurricane deductible

Log every call, visit and inspection

Start My Claim reads your photos in about a minute and tells you what they show and what to photograph next. Scan My Policy shows your hurricane deductible in dollars.

How We Help Panhandle Property Owners

We start remotely, right away: send photos and your policy, and a licensed public adjuster calls you back. Then we schedule an in-person inspection of the property, document the full loss (including damage that shows up later, in the attic, behind walls and under floors), write a line-item estimate, and deal with your insurance company until the claim is paid. Already filed, or already received a low offer or a denial? Upload the letter or estimate to Review My Claim. See hurricane and wind damage claims and roof insurance claim help.

Areas We Serve After Isaias

Pensacola, Milton, Navarre, Gulf Breeze, Fort Walton Beach, Destin, Niceville, Crestview, Santa Rosa Beach, Panama City, Panama City Beach, Lynn Haven and Mexico Beach. See our Pensacola public adjuster and Panama City public adjuster pages. Condo and HOA boards: see our free session for boards and managers.

Deadlines. Florida law requires notice of an initial or reopened property claim within 1 year after the date of loss, and notice of a supplemental claim within 18 months after the date of loss. For Hurricane Isaias, the date of loss is the date the storm damaged your property. Your policy may include its own requirements, so do not wait.

Source: Section 627.70132, Florida Statutes.

Federal help. On or about October 15, 2026, Florida requested a major disaster declaration, including individual assistance for Bay, Escambia, Gulf, Holmes, Okaloosa, Santa Rosa, Walton and Washington counties. Check DisasterAssistance.gov for the current status before applying.

Sources: FEMA, Oct 9, 2026 · Office of the Governor · Florida Phoenix, Oct 16, 2026 · NPR, Oct 9, 2026

Hurricane Isaias Claim FAQs

Is it too late to file a Hurricane Isaias claim?

No. Florida law requires notice of an initial property claim within 1 year after the date of loss, and a supplemental claim within 18 months. Report it as soon as you can, because damage and evidence change over time and your policy may have its own requirements.

Do you work in the Panhandle if you are based in Miami Lakes?

Yes. We are licensed statewide in Florida. We start your claim remotely from your photos and policy the same day, and we schedule an in-person inspection of the property. Call our Panhandle line 24/7 at (850) 808-3777.

I already filed with my insurance company. Can you still help?

Yes. We can step in on an open claim, review an estimate or an offer, and handle a supplemental claim for damage found later. Upload what you have to Review My Claim for a free first read.

What does it cost?

Nothing up front. We work on a No Recovery, No Fee basis, and Florida law caps public adjuster fees. See public adjuster fees.

Do you help condo and HOA associations hit by Isaias?

Yes. We represent associations on master policy claims for roofs, common areas and buildings, and we work with the board and the property manager. See our page for condo and HOA associations.

Hurricane and wind damage claims Roof insurance claim help How a property damage claim works What to do in the first 24 hours

Damage from Isaias? Panhandle line

Call (850) 808-3777, 24/7

In New Jersey

Call (732) 517-3777, 24/7

Talk to a Public Adjuster

Have photos? Start My Claim →Denied or underpaid? Review My Claim →What does my policy cover? Scan My Policy →

Tell us about your loss. We’ll call you back.

Claims We Handle

Hurricane & Wind Damage→Flood Damage→Fire Damage→Water Damage→Winter Storm & Roof Damage→Theft & Vandalism Damage→Vehicle Impact Damage→Business & Commercial→Other Claims→Denied & Underpaid→

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Property Damage Claims We Handle

Homeowners, condo associations, landlords and businesses bring us these claims across Florida and New Jersey.

Hurricane & Wind Damage Claims Water Damage Claims Fire & Smoke Damage Claims Flood Damage Claims Denied & Underpaid Claims Condo & HOA Association Claims Business & Commercial Claims

How Can We Help You Recover?

Have a Property Damage Claim?

Upload your photos, the insurer’s estimate or a denial letter. A licensed public adjuster reviews it for free and calls you back right away. No Recovery, No Fee.

Start My Claim →Review My Claim →Scan My Policy →

Or call 24/7: (305) 783-3777 Florida · (732) 517-3777 New Jersey. Hablamos español.