A Pensacola Public Adjuster Who Works for You, Not the Insurance Company

If Hurricane Isaias damaged your Pensacola home or business, you do not have to accept the first number your insurance company offers. Policyholder Advocacy Group is a Florida licensed public adjusting firm. We represent policyholders in Escambia County, and only policyholders. The carrier’s adjuster represents the carrier. A public adjuster represents you. We document your damage, build the claim, and negotiate the settlement the policy owes. Start with a Free 21-Point Storm Inspection. Call 800.511.2240.

About 17,000 Isaias claims filed in Escambia County, and the closings started immediately

Nearly 55,000 Hurricane Isaias claims have been filed statewide, according to the Florida Office of Insurance Regulation, and about 17,000 of them were filed here in Escambia County.

Nearly 8,500 claims statewide have already closed without a payment, and just over 3,500 have closed with one. About 43,000 claims are still open.

Florida’s own OPPAGA study found claims paid 747 percent higher with a public adjuster on the claim.

The Florida Attorney General’s office says policyholders can receive up to 30 percent more when they have representation.

Isaias damage in Pensacola is still surfacing

Isaias came ashore near Destin on October 9, 2026. Pensacola took a 102 mph gust, and Escambia County took wind and water damage from Pensacola Beach and Perdido Key up through Cantonment, Warrington, East Hill, Ensley, and Century. We are on the ground in Escambia County now, inspecting Isaias damage in these neighborhoods. The visible damage got photographed in week one. The expensive damage is still hiding.

Wind lifts shingles and breaks the seals that keep a roof watertight, and the roof looks fine from the street while it leaks at every vent and flashing. Water enters at seams and window frames and shows up weeks later as stains, soft drywall, and buckled floors. Around Bayou Texar, Bayou Grande, and Bayou Chico, wind-driven rain pushed water into homes that never flooded at all. Pensacola’s older neighborhoods carry older roofs and older window systems, and Isaias found every weak point in them.

In 17 years of storm work, the pattern never changes. The damage documented in month three is larger than the damage seen in week one, because water keeps moving long after the wind stops. That is why the first inspection matters, and why a fast inspection done in the first days after the storm should never be the last word on your claim.

Your Isaias deadlines run whether you file or not

Florida law gives you time, but the clock is already moving. These are the dates that control a Hurricane Isaias claim:

  • Notice of loss: by October 9, 2027
  • Supplemental claim: by April 9, 2028
  • The outside date PAG tracks for suit is October 9, 2031

A claim that closed without payment is not always a finished claim. Many Isaias claims can be reopened or supplemented before these deadlines when new damage is documented. If your claim was denied or closed, read our Pensacola Isaias claims page for the reopen path, then call us before the dates above make the decision for you.

Storm and property claims we handle in Escambia County

Pensacola runs on tourism, the Navy, and small business. A closed hotel, a damaged rental, or a shut shopping center loses money every day it stays closed. Commercial claims carry larger numbers and tighter paperwork. Documentation is the whole fight.

Florida caps residential fees at 10 percent after an emergency declaration

For residential claims, Florida caps the fee at 10% during the first year after a state of emergency declaration. Commercial claims are not under that cap. Our fee is a percentage of what we recover, and if we recover nothing, you pay nothing. Without representation, many homeowners walk away with far less or nothing at all.

The Free 21-Point Storm Inspection costs nothing. You get a documented record of your damage before anyone files or reopens a claim.

Questions Pensacola owners ask us

My claim was closed without payment. Is it over?

Usually not. A claim closed without payment can often be reopened or supplemented when the damage is documented properly. The deadlines on this page still control, so the time to act is now, not next year.

The carrier already sent an engineer. Does that settle it?

No. The engineer was hired by your insurance company, and the report goes to your insurance company. In 17 years of claims work, a carrier engineer’s report has never called for the full repair a storm damaged building needed. You have the right to document the damage independently, and that documentation is what reopens the conversation.

Should I repair before the claim is settled?

Make the repairs that stop further damage, and photograph everything first. Emergency repairs protect your home and your claim. Full repairs before documentation can bury the evidence the claim depends on.

Do you handle condos and commercial property in Pensacola?

Yes. We represent condo associations, unit owners, landlords, and commercial owners across Escambia County, from single buildings to full shopping centers.

What do I get from the inspection?

A documented record of your storm damage, built before you file or reopen. That record is the foundation the claim stands on, and it is what the carrier’s first scope gets measured against.

Start with the inspection

The carrier’s adjuster represents the carrier. A public adjuster represents you. Put someone on your side of the table who does this every day.

Get your Free 21-Point Storm Inspection or call 800.511.2240. Policyholder Advocacy Group. We work for you, not the insurance company.

Policyholder Advocacy Group also serves property owners in Fort Walton Beach, Miramar Beach, Navarre, Niceville, Panama City, and Santa Rosa Beach, Milton, Pace.