Panama City, Lynn Haven & Callaway
Public adjuster in Panama CityHurricane Isaias claims
Panama City, Lynn Haven and Callaway took the brunt of Hurricane Michael in 2018, and many homes, apartment buildings and businesses here were rebuilt or patched after long insurance fights. Isaias now adds a new round of wind and water damage on top of those repairs. We work for homeowners, landlords, HOAs and commercial owners around St. Andrew Bay who need the new damage paid without the insurer blaming it on Michael.
- Years of industry experience
- 20+
- Years of industry experience
- Policyholders helped
- 15,000+
- Policyholders helped
- Recovered for our clients
- $900M+
- Recovered for our clients
- States served
- 23
- States served
Hurricane Isaias in Panama City
Bay County was under the governor's emergency order and the hurricane warning, gusts topped 100 mph near Panama City Beach, and the surge there ran about 5.5 feet above normal. Bay County Emergency Management asked residents to report damage through its damage assessment form. We have not yet seen detailed damage counts for Panama City, Lynn Haven or Callaway, so photograph everything while it is fresh.
The first offer after a storm like this is often the lowest one. Before you accept a repair-only estimate or a denial, have someone who works for you, not the carrier, read the policy and walk the property.
Panama City has been here before
2018 · Hurricane Michael
Michael hit as a Category 5 with 160 mph winds, damaging more than 45,000 structures in Bay County; state regulators found 98 percent of Callaway's structures and 85 percent of Lynn Haven's homes damaged.
2004 · Hurricane Ivan
Ivan spawned tornadoes in Bay County, including one that killed two people in Panama City.
What we’re watching on Panama City claims
Michael repairs used to deny Isaias damage
Insurers pull the 2018 file and argue that roof leaks or cracked stucco are old Michael damage. Your repair invoices, permits and photos of the finished work prove the damage is new, and we help you gather them.
Patched roofs and underpaid repairs
Many Michael repairs were patches rather than replacements, and the deadlines on Michael claims ran out years ago. That makes it critical that the Isaias claim is scoped fully on its own, including code-related costs if your policy has ordinance or law coverage.
Claims closed without payment
State data showed 9,830 Bay County Michael claims closed without payment as of December 2019. A denial or low offer is not the last word: Florida allows reopened and supplemental claims within its deadlines, and we review closed Isaias claims at no upfront cost.
Properties we handle in Panama City, Lynn Haven & Callaway
- Single-family homes rebuilt or repaired after Michael
- Apartment and multi-family buildings
- HOA and townhome communities
- Commercial and retail buildings downtown and along the 15th and 23rd Street corridors
- Waterfront homes on St. Andrew Bay and the bayous
Flood and surge: Bay County participates in FEMA's Community Rating System and kept a Class 5 rating, worth a 25 percent NFIP premium discount, in its 2020 evaluation. Michael pushed 4 to 6 feet of surge inundation into the area around Panama City and St. Andrew Bay, and that kind of water is only covered by a flood policy.
Areas we serve around Panama City
- Downtown Panama City
- Historic St. Andrews
- Millville
- Glenwood
- Lynn Haven
- Callaway
- Springfield
- Parker
- Cedar Grove
- Southport
Repairs and permits
Permanent repairs usually need a permit. Your local office: City of Panama City Building Services Division. Keep every repair and mitigation receipt for the claim.
How it works
- 1
Call or send it in
Tell us about the property and what the carrier has said so far. A licensed public adjuster calls you back.
- 2
We review the policy
We read the policy, the carrier's estimate and any denial letter with you. Claim review at no upfront cost.
- 3
We build and fight the claim
We document the full loss, write the estimate, meet the carrier's adjusters and engineers, and negotiate.
- 4
You get paid
Our fee comes only out of what we recover. On homeowner and condo unit-owner claims from Isaias, Florida caps it at 10%.
Condo or HOA board? Read the board member hurricane checklist. Roofer with a denied job? Start here.
Panama City claim questions
My Michael claim was underpaid. Can I add that to my Isaias claim?
No. Isaias is a new date of loss and a new claim, and the deadlines to reopen or supplement a 2018 Michael claim have long passed. What you can do is make sure the insurer does not wrongly blame Isaias damage on Michael, and that the new claim is scoped completely.
The insurer says my roof damage is wear and tear. What now?
Ask for the decision in writing along with the adjuster's detailed estimate, which Florida requires the insurer to send within 7 days after it is created. Then get an independent inspection that documents wind indicators like lifted, creased or missing shingles and damaged flashing. A public adjuster can take that evidence back to the insurer and use the dispute options in your policy if needed.
I already accepted a check from my insurer. Is it too late to get help?
Not necessarily. Florida allows a supplemental claim for additional damage from the same storm within 18 months of the October 9, 2026 landfall, and a public adjuster cannot take a fee on money your insurer paid or committed before you hired them. Have any release or final settlement paperwork reviewed before you sign it.
Sources
- https://weartv.com/news/local/governor-ron-desantis-to-address-hurricane-isaias-damage-recovery-as-panhandle-wakes-to-outages-flooding-landfall-
- https://news4jax.com/weather/2026/10/10/desantis-gives-update-after-isaias-slams-the-florida-panhandle-leaving-many-without-power
- https://mynews13.com/fl/orlando/news/2026/10/07/desantis-declares-state-of-emergency-in-preparation-for-tropical-storm-isaias
- https://www.kaxe.org/news/2026-10-09/isaias-pummels-the-gulf-coast-and-plows-through-alabama
- https://www.baycountyfl.gov/
- https://www.nhc.noaa.gov/data/tcr/AL142018_Michael.pdf
- https://www.nhc.noaa.gov/data/tcr/AL092004_Ivan.pdf
- https://www.wtvy.com/2025/10/08/7-years-since-hurricane-michael-look-devastation-insurance-costs/
- https://floir.gov/office/hurricaneseason/hurricanemichaelclaimsdata.aspx
- https://en.wikipedia.org/wiki/Panama_City,_Florida
- https://en.wikipedia.org/wiki/Bay_County,_Florida
- https://www.baycountyfl.gov/432/Flood-Zones-and-CRS-Information
- http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.70132.html
- http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.70131.html
- http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.854.html
Request a claim review
Tell us what happened. A licensed public adjuster will call you back to talk through your policy, your loss and where your claim stands. There’s no upfront cost to review your claim.
Rather talk now?(850) 750-7536Good to have handy
- Your policy number, and the claim number if you have one
- Photos or video of the damage
- Any letters, estimates or offers from the carrier
Don’t have them yet? Send the form anyway.
Our fee is a percentage of what we recover, set out in your contract and capped by your state’s law. No upfront cost to review your claim.