Panama City Beach & the Bay County Beaches
Public adjuster in Panama City BeachHurricane Isaias claims
Panama City Beach is condo towers and resort hotels along Front Beach Road, a 2000s building boom that replaced many older motels and homes with high-rises and larger houses, and rental property on nearly every street. Isaias pulled facade off at least one tower here and drove one of the highest storm tides the city has recorded. For condo boards that means master-policy claims on the building envelope and common elements, and for owners it means HO-6 and loss assessment questions.
- 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 Beach
Fox Weather reported that Isaias pushed water 5.6 feet above average high tide at Panama City Beach, the second-highest surge on record there behind Opal, and gusts topped 100 mph near the city. AP reported that winds ripped away part of a high-rise's facade, with a worker sweeping the building's insulation out of a condominium parking lot.
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 Beach has been here before
1975 · Hurricane Eloise
Eloise produced a measured storm tide of 14.9 feet at Panama City Beach and destroyed 215 homes and 15 motels along the Bay County coast.
1995 · Hurricane Opal
Opal destroyed 115 beachfront homes, 13 multifamily buildings and 23 motels and hotels in Bay County, plus more than two miles of seawalls.
2004 · Hurricane Ivan
An F2 tornado spun up by Ivan near Panama City Beach killed one person and injured seven.
2018 · Hurricane Michael
Michael made Category 5 landfall to the east near Mexico Beach; the tide gauge at Panama City Beach still measured 3.9 feet above normal high water.
What we’re watching on Panama City Beach claims
Facade, cladding and wind-driven rain in condo towers
When panels, stucco or insulation come off a tower, water gets into walls and units on many floors. Florida's condo law splits that damage between the association's master policy and each owner's HO-6, and we map it unit by unit so nothing falls through the gap.
Surge versus wind on the ground floor
With a near-record surge, insurers will try to treat lobbies, garages, pool decks and first-floor units as flood only. Wind damage to the building envelope and everything above the water line is still a wind claim, and flood is a separate claim under the association's flood policy.
Reserve studies and milestone reports used against you
Florida's post-Surfside laws require condo buildings three stories and up to get milestone inspections and a structural integrity reserve study covering the roof, waterproofing, windows and exterior doors. Insurers may point to those reports to argue damage was old wear; we use them to prove the pre-storm condition and show what Isaias changed.
Properties we handle in Panama City Beach & the Bay County Beaches
- High-rise and mid-rise condominium towers
- Resort hotels and motels
- Townhome and HOA communities
- Single-family homes and vacation rentals
- Retail and restaurant buildings around Pier Park and Thomas Drive
Flood and surge: Panama City Beach participates in FEMA's Community Rating System, which gives a 25 percent discount on NFIP flood premiums for policies issued or renewed on or after December 16, 2020. Surge damage is a flood claim, not a homeowners or condo wind claim, and a new NFIP policy generally takes 30 days to take effect.
Areas we serve around Panama City Beach
- Front Beach Road
- Thomas Drive
- Pier Park
- Laguna Beach
- Sunnyside
- Lower Grand Lagoon
- Upper Grand Lagoon
- Edgewater
- West Panama City Beach
- St. Andrews State Park area
Repairs and permits
Permanent repairs usually need a permit. Your local office: City of Panama City Beach Building & Planning Department. 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 Beach claim questions
Our condo tower lost facade panels in Isaias. Who files, the association or the owners?
The association files on its master policy for the building and common elements, and owners file on their HO-6 policies for what Florida law leaves to them, such as floor, wall and ceiling coverings, cabinets, countertops, appliances and contents. If the board later levies a special assessment for the loss, owners with loss assessment coverage must give notice by the later of one year after the loss or 90 days after the board's vote, and no more than three years after the loss.
Does my insurer have to give notice before sending someone to inspect?
Yes. On homeowners and condo unit-owner policies, Florida requires the insurer to give you, and your public adjuster if you have one, at least 48 hours' notice before an in-person meeting or onsite inspection, unless you waive it. Use that time to have your photos, video and repair receipts ready.
How fast does my insurer have to pay an Isaias claim?
Florida generally requires a residential insurer to acknowledge your claim within 7 days and to pay or deny it within 60 days after receiving notice, with a written explanation. The insurer must also send you a copy of its adjuster's detailed estimate within 7 days after it is created.
Sources
- https://www.foxweather.com/weather-news/deadly-isaias-start-finish-trail-destruction-gulf-coast
- https://www.bostonglobe.com/2026/10/10/nation/4-dead-storm-isaias-brings-threat-floods-across-southeast/
- https://baynews9.com/fl/tampa/ap-online/2026/10/10/isaias-weakens-but-flooding-threat-persists-as-hundreds-of-thousands-grapple-with-power-outages
- 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://en.wikipedia.org/wiki/Panama_City_Beach,_Florida
- https://floridadep.gov/sites/default/files/ComparativeAnalysisDennis-etal-NWFlorida.pdf
- https://www.nhc.noaa.gov/data/tcr/AL092004_Ivan.pdf
- https://www.nhc.noaa.gov/data/tcr/AL142018_Michael.pdf
- https://www.pcbfl.gov/221/Flood-Zone-Community-Rating-System-Infor
- https://www.wjhg.com/2021/01/14/panama-city-beach-residents-to-receive-flood-insurance-premium-discounts/
- https://www.fema.gov/flood-insurance
- http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0718/Sections/0718.111.html
- http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0718/Sections/0718.112.html
- http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0553/Sections/0553.899.html
- 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=0600-0699/0626/Sections/0626.854.html
- http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.70131.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.