Florida Public Adjuster for Hurricane Isaias Claims

Hurricane Isaias made landfall near Destin at about 8:30 PM Central on October 9, 2026, with 105 mph sustained winds at landfall. A 102 mph gust was recorded near Pensacola. Santa Rosa County has filed more than 26,000 claims. Escambia County has filed about 17,000. A roof can look fine from the street and still be opened up at the seams, the flashing, and the deck. Water gets in and travels where you cannot see it. The carrier's first scope rarely catches all of it.

Book Your Free 21-Point Storm Inspection or call 800.511.2240 now. We inspect, we document, and we work for you, not the insurance company.

Nearly 55,000 Hurricane Isaias claims filed statewide

Just over 3,500 closed with payment

Nearly 8,500 closed without payment

Report your claim by October 9, 2027

Reopen or add to a claim by April 9, 2028

Claim counts: Florida Office of Insurance Regulation, October 20, 2026. Deadlines: Fla. Stat. 627.70132. Most Isaias claims are still open, and thousands closed with nothing paid. Where your claim stands decides what we do first.

Start with your property

Homeowners

Roof leaks, lifted shingles, water stains, and damage you cannot see yet. We inspect the whole house and document what the storm did, then we represent you from filing to finish. Residential hurricane claims

Commercial property owners

Roofs, building envelopes, interiors, and lost income. One storm can touch every system in the building at once. We document building by building and system by system. Commercial hurricane claims

Condo associations

Your board has a duty to document the association's loss. Master policy claims, common elements, and unit owner coordination need one complete record, built early. Condo association claims

Property managers

You answer to owners and tenants at the same time. We inspect the property, document the affected areas, and run the claim so you can answer both with paper. Claims for property managers

Already filed a claim?

An open, underpaid, or closed claim is not the end of the road. Each status below has a path forward, and the deadlines above still control all of them.

Underpaid

The check does not match the damage. We compare the carrier's scope with the damage that is actually there and document the gap, line by line. Start with the free inspection

Denied

A denial letter is the carrier's position. It is not the final word. Denied claims can often be reopened when the damage and the policy language are documented properly. What a denial means for your claim

Below deductible

The carrier priced your loss under your deductible and closed the file. That outcome rests on the carrier's scope, and a complete scope can change the math. Get your damage documented

Closed without payment

Nearly 8,500 Isaias claims have already closed without a payment. A closed claim can be reopened or supplemented inside the statutory deadlines. See the Isaias claim numbers

Still waiting

Months of silence is not a decision. We document the loss, present the claim under the terms of your policy, and press for an answer on the record. Put your claim on the record

We inspect more than homes

A commercial loss runs on a different scale. One roof seam can touch dozens of units, several floors, and the income the building produces. We inspect and document the whole affected area, not only the room where the damage started.

What the free inspection covers

Free should not mean vague. The 21-Point Storm Inspection documents:

Roof system and exterior
Windows, doors, and building envelope
Interior rooms, walls, and ceilings
Water intrusion and moisture paths
Fire, smoke, and sprinkler damage where present
Photographs and a written record of every area of concern

The inspection and the documentation are free. There is no obligation to hire us afterward. If the damage does not support a claim, we tell you plainly.

Policyholders on the record

"My insurance company offered me $6,079. Nathan got me $274,450. That's 45 times what they wanted to pay."

Scot, policyholder

"I do not know what we would have done without the help of the Policyholder Advocacy Group. We experienced a break-in to our home and subsequently major damage."

JoAnn Orr, policyholder

"Policyholder Advocacy Group works on behalf of their clients, NOT the insurance company. They are able to get the maximum settlement monies, truly fighting for their clients."

Brooke Boyd, policyholder

The carrier's adjuster works for the carrier. We work for you.

The insurance company's adjuster represents the insurance company. A public adjuster represents the policyholder. That is the whole difference, and it decides who builds the record your claim gets paid on. Policyholder Advocacy Group has represented Florida policyholders since 2012. Nathan Sheppard has worked insurance claims for 17 years. Our team has recovered hundreds of millions for Florida policyholders.

Florida's own study backs the value of representation. The Office of Program Policy Analysis and Government Accountability, OPPAGA, studied Citizens claims and found:

747% higher payments on certain 2005 hurricane claims with public adjuster representation

574% higher estimated payments on non catastrophe claims studied

Source: Florida OPPAGA Report No. 10-06, January 2010. Historical Citizens claim comparisons. Results do not guarantee a particular outcome on any claim.

On cost. For residential claims, Florida caps the fee at 10% during the first year after a state of emergency declaration. And 10% of nothing is nothing. Commercial claims are not under that cap. Our fee is a percentage of what we recover for you. If we recover nothing, you pay nothing.

Claims we cover

Not sure where you stand?

That is exactly what the inspection is for. Call 800.511.2240 or book your Free 21-Point Storm Inspection. We document the damage and tell you plainly where you stand, before the deadlines decide for you.

Your Story Is the Evidence

Insurance companies have lobbyists. Policyholders have stories. Record yours in your own voice.

Record Your Story

More ways to put your claim on the record: Share your story

Isaias Recovery Updates. Only When It Matters.

FEMA changes, claim deadlines, county help, insurer moves. When something changes that affects your type of claim, you hear it from us first. Join and get the Isaias Deadline Card instantly: the three dates that can make or break your claim.

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Licensed in Florida.

We Work With All Major Insurance Carriers

We present claims to the carriers that insure Northwest Florida homes and businesses, including: