Pace public adjuster for Hurricane Isaias claims

Pace took the central Santa Rosa County wind field, the part of the county where survey crews documented the most violent gusts away from the water. Pace is also two towns in one: established subdivisions with mature pines and aging roofs, and fast growth subdivisions where the roofs are barely a decade old. Policyholder Advocacy Group represents Pace property owners only, never the carrier. The carrier's adjuster represents the carrier. A public adjuster represents you.

Request a Free 21-Point Storm Inspection or call 800.511.2240.

Older Pace: mature trees over 1980s and 1990s roofs

Woodbine Springs Plantation, Woodbine Estates, Windsor Forest, and the older streets off Woodbine Road were built when Pace was still a small community. Their homes carry roofs near the end of their rated life, big shade trees close to the roofline, and additions and screen rooms built across decades. Isaias found all of it. Wind lifted shingles across whole neighborhoods, and the canopy came down on fences, screens, and roof edges street after street.

On these homes, the carrier answer is almost automatic: wear and tear. An older roof makes that answer easy to write and hard to fight without records. The fight is won with documentation: the condition of the roof before the storm where records exist, the pattern of lifted and creased shingles the wind left, and the water path from the openings into the rooms below. We build that record on our hurricane and wind damage inspections, and it is the record a wear and tear denial has to answer.

Newer Pace: a young roof can still take storm damage

Stonebrook Village, Hammersmith, Pace Mill Creek, and Ashley Place hold the growth side of Pace, homes built from the early 2000s through the last few years. Owners here hear the opposite answer: the roof is too new to have real damage. That answer confuses age with condition. Wind does not check the build year. It breaks seals, lifts starter courses, creases shingles, and opens flashing on a nine year old roof the same way it does on a twenty year old one, and the leak shows up in a ceiling weeks later.

One more confusion shows up in newer subdivisions. A builder warranty is not an insurance claim, and a warranty answer does not decide what your policy owes for storm damage. If wind opened the roof system, the claim belongs to the policy, documented as storm damage, with the entry points photographed and measured. Our roof leak damage page covers how a roof claim gets documented when the visible sign is one ceiling stain.

Five Points, US-90, and the corridor Pace shops on

Pace grew along Highway 90 and the Woodbine Road corridor, and the retail that serves the whole town sits in that path. The shopping centers near Five Points and along US-90 toward Milton took roof and sign damage across the corridor, and their tenants lost operating days while roofs were tarped and interiors dried. A center owner's claim is a building claim and a rent claim at once, and the two halves need separate records.

We represent corridor owners, apartment owners, and homeowners under the same roof. Our commercial claims page covers the documentation standard for centers and multi building properties. Commercial claims carry larger numbers and tighter paperwork, and they are not under the residential fee cap described below.

Commuter town damage gets found late, and late is not too late

Pace is where Pensacola's workforce lives. Many owners spent the first weeks after Isaias clearing yards, covering roofs, and getting back to work across the bay, while water moved quietly inside their own walls. Stains bloomed in November. Floors cupped. A guest room started to smell. This pattern is normal after a storm, and it is documented on claims across Santa Rosa County.

Late found damage still belongs in the claim when the entry point ties it to the storm. What decides the question is the record: photos of the roof openings, the water path, and the dates the signs appeared. Our water damage page explains how late surfacing water gets documented. Do not paint over a stain before it is photographed and measured.

The papers that speed a Pace claim

Bring what you have to the first meeting:

• Your full policy, including the declarations page and endorsements
• The carrier's estimate and every letter that came with it
• Photos from the first days after the storm, even phone photos
• Receipts for tarps, tree work, and emergency repairs
• Roof paperwork if you have it: install date, product documents, prior repairs
• HOA letters or community notices about storm damage, if your subdivision sent any

The roof paperwork matters more in Pace than in most towns. Half the town's fight is the age of the roof, and a dated install record ends arguments that opinions cannot. If your policy is missing, your agent can send a copy, and that never gates the visit. We inspect first.

Already filed? The answers Pace owners are hearing

• The roof is too old, so the damage is wear and tear
• The roof is too new, so the carrier found no real damage
• The damage came in below your deductible
• The carrier will pay for a repair, not a replacement
• The claim closed with no payment at all

Both roof answers cannot be the whole story, and each one rests on the carrier's scope. We inspect the property ourselves and compare the damage present with the scope you were given. Where the scope is light, we present the difference with photos, measurements, and a priced estimate.

Your Isaias deadlines, in plain dates

• Report your loss by October 9, 2027
• Reopen or supplement your 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. Documented damage found inside these dates can reopen or supplement a closed file. Our Milton page covers the county seat up the road, our Navarre page covers the south county, and the Pensacola page covers the city most Pace owners work in.

Why Pace owners call us

Policyholder Advocacy Group has represented Florida policyholders since 2012. Nathan Sheppard has worked insurance claims for 17 years, and our Pensacola area team works Santa Rosa County daily during this deployment. We inspect, document, build the estimate, present the claim, and handle the carrier's questions through the process. You carry the recovery of your home. We carry the 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.

Start with the free inspection

The inspection is free, and there is no obligation to hire us afterward. We document the damage and tell you plainly where you stand. Call 800.511.2240 or request your free hurricane inspection.