Navarre public adjuster for Hurricane Isaias claims

Navarre is two towns sharing one name. Navarre Beach sits on the barrier island, facing the Gulf across a narrow strip of sand. Mainland Navarre spreads along US-98 and FL-87, with the Santa Rosa Sound on one side and East Bay on the other. Hurricane Isaias hit both towns in one night, and it hit them differently. Policyholder Advocacy Group represents Navarre 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.

Navarre Beach: wind driven rain in homes that never flooded

Navarre Beach took the storm on the narrowest ground in the county. The condos and beach homes along the island stood in the full wind field, and the water story there was not surge in the living room. It was rain driven sideways at highway speed, entering at sliding doors, window frames, and balcony doors that had never leaked in twenty years of afternoon storms.

That distinction decides claims. A standard policy does not cover flood. It does cover wind driven rain that enters through a storm damaged opening. When a carrier writes the beach claim as water damage and stops there, the entry point is the argument, and the entry point is provable: damaged seals, shifted frames, and openings the wind made, photographed and measured. Our water damage page explains how this classification gets documented.

Mainland Navarre: the sound side subdivisions and the pine canopy

Across the causeway, mainland Navarre is subdivision country: established neighborhoods along the sound, the Holley area's older homes, and newer growth pushing east and north. The mainland took the same wind with a forest on top of it. Tall pines line these streets, and the damage pattern shows it: trees on roofs, crushed fences and screens, and roof edges torn where limbs swept across them.

Sound side homes carry a second pattern. Wind off Santa Rosa Sound pushed rain into the south facing walls and windows of homes that sit nowhere near a flood zone. Owners get told their damage is a maintenance issue because no water ever stood in the street. The water did not need the street. It came through the wall system the wind opened, and that is a wind claim with a paper trail.

Roof damage the street cannot see

Navarre's inland roofs took the kind of damage carriers undercount most: lifted shingles with broken seals, creased tabs, and flashing pulled at chimneys and vents. From the ground the roof looks finished and fine. In the attic, daylight and water stains tell the real story, and the first ceiling stain often appears weeks after the storm.

Our hurricane and wind damage inspections go slope by slope and into the attic where access allows. We document the openings and the water path below them as one record. That record is what a claim stands on when the carrier's scope shows a handful of shingles and a tube of sealant.

Newer Navarre: Hidden Creek and the growth east

Navarre has grown fast along the FL-87 corridor and east toward the county line, and the newer subdivisions hold young roofs, young trees, and owners who did not expect a storm fight in a five year old home. Their carrier answer is the new roof answer: too new for real damage. Wind breaks seals and creases shingles on a young roof the same as on an old one, and a young roof carries an advantage these owners should use. Build records are fresh. The install date, the product documents, and the builder paperwork are all still in a drawer or an email account.

Bring that paperwork to the first meeting. A dated install record turns the carrier's opinion about your roof into a dated fact about your roof. On a young roof claim, the paperwork is often the whole argument.

The papers that speed a Navarre claim

• 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 install or repair records, if you have them
• Condo association documents if your building carries a master claim

If the policy is missing, your agent can send a copy. That never gates the visit. We inspect first and build the file from the property.

Already filed? The answers Navarre owners are hearing

• The water was flood, so the policy does not cover it
• The damage is wear and tear on an older roof
• The carrier will pay for a repair, not a replacement
• The damage came in below your deductible
• The claim closed with no payment at all

Each answer rests on the carrier's scope and the carrier's classification. We inspect the property ourselves, trace the water to its entry point, and present the claim on the evidence. Owners on the island and the mainland both get the same discipline: the damage decides the category, not the first label on the file.

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, and our roof leak damage page covers the roof side of that record. Neighbors inland can read our Milton and Pace pages, and the Pensacola page covers Escambia County next door.

The commercial strip along US-98

Navarre's businesses line US-98: restaurants, services, small centers, and the stores the whole south county depends on. A center with an opened roof seam loses tenants' interiors below it, and each tenant's loss becomes part of one building story. We represent owners on the corridor as well as homeowners, and our commercial claims page sets out how those files get built. Commercial claims are not under the residential fee cap described below.

Why Navarre 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. You get one point of contact and plain answers while the claim moves.

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.