Statewide Claim ServicesLicensed Public Adjusters

Pensacola & Escambia County

Public adjuster in PensacolaHurricane Isaias claims

Pensacola runs from the older wood-frame homes of North Hill and East Hill to downtown hotels and storefronts, west Pensacola apartment complexes and the Gulf-front condos of Perdido Key. That mix means one storm produces very different claims: a torn roof on a historic house, a peeled-back commercial roof, water through a sliding door twelve floors up. We work Isaias claims for homeowners, condo boards and commercial owners across Escambia County.

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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

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A licensed public adjuster will call you to talk through your claim.

  • No upfront cost to review your claim
  • Our fee is a percentage of what we recover
  • Florida public adjusting firm #W810799
Property

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Hurricane Isaias in Pensacola

Isaias came ashore near Destin, about 50 miles east, but Fox Weather's aerial survey put Pensacola among the hardest-hit areas: the storm tore the roof off a Circle K on Blue Angels Parkway, ripped part of a hotel roof away and blew sheet-metal roofing down downtown streets. About 75 percent of Escambia County customers lost power, and the county's preliminary estimate of public damage and recovery costs is about $64 million, not counting private homes and businesses.

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.

Pensacola has been here before

  1. 1998 · Hurricane Georges

    Georges stalled over the region and dropped an estimated 20 to 30 inches of rain on Escambia County, washing out dirt roads and closing I-10 near the Alabama line.

  2. 2004 · Hurricane Ivan

    Ivan pushed Pensacola Bay to 10.2 feet, knocked segments of the I-10 Escambia Bay Bridge out of alignment and caused seven deaths in Escambia County.

  3. 2005 · Hurricane Dennis

    Dennis came ashore near Navarre Beach as a Category 3, bringing a 5.5 foot storm tide to Pensacola and nearly 8 inches of rain.

  4. 2020 · Hurricane Sally

    Sally dropped 24.88 inches of rain near NAS Pensacola, flooded downtown streets 2 to 4 feet deep, collapsed part of the Three Mile Bridge and damaged 1,756 structures in Escambia County.

What we’re watching on Pensacola claims

  • Hurricane deductible math

    Florida hurricane deductibles are usually 2, 5 or 10 percent of the dwelling limit and apply once per calendar year to hurricane losses with the same insurer (s. 627.701). On a $350,000 dwelling limit, a 2 percent deductible is $7,000, so an estimate that misses interior, attic or fence damage can turn a payable claim into a denial letter.

  • Older roofs and the 25 percent rule

    Many Pensacola homes and downtown buildings have roofs that predate the 2007 Florida Building Code. The code's 25 percent roof rule can require replacing a whole roof section when a quarter or more of it is damaged, and state law (s. 553.844(5)) only spares roofs built to the 2007 code or later, so ordinance or law coverage matters.

  • City vs. county rules and the 50 percent rule

    Much of the area with Pensacola addresses is unincorporated Escambia County, where Building Services enforces FEMA's 50 percent substantial-damage rule during plan review. A badly damaged older home in a flood zone may have to be brought up to current flood rules, and those costs need to be identified early in the claim.

Properties we handle in Pensacola & Escambia County

  • Older wood-frame homes in the North Hill and East Hill neighborhoods
  • Downtown hotels, offices and storefronts around Palafox Street
  • Apartment complexes and manufactured-home communities in west Pensacola
  • Gulf-front condo towers on Perdido Key
  • Gas stations, retail and restaurants along Blue Angels Parkway and Pensacola Boulevard

Flood and surge: Escambia County's current FEMA flood maps took effect Aug. 19, 2025; the City of Pensacola is a CRS Class 7 community (15 percent NFIP discount in high-risk zones) and unincorporated Escambia is Class 6 (20 percent). Homeowners policies exclude flood, so Sally-style rain flooding or surge needs an NFIP or private flood claim, and the standard NFIP policy asks for a signed proof of loss within 60 days.

Areas we serve around Pensacola

  • Downtown Pensacola
  • North Hill
  • East Hill
  • Cordova Park
  • Brownsville
  • West Pensacola
  • Warrington
  • Myrtle Grove
  • Ferry Pass
  • Perdido Key

Repairs and permits

Permanent repairs usually need a permit. Your local office: City of Pensacola Building Inspections Division. Keep every repair and mitigation receipt for the claim.

How it works

  1. 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. 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. 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. 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.

Pensacola claim questions

How long do I have to file a Hurricane Isaias claim in Pensacola?

Florida bars a new or reopened property claim unless the insurer gets notice within 1 year of the date of loss, and for a hurricane the date of loss is the landfall date, so Isaias claims need to be reported within a year of Oct. 9, 2026. Supplemental claims for damage found later have 18 months. Report early anyway: your insurer must acknowledge the claim within 7 days and generally pay or deny within 60 days of notice.

My address says Pensacola but I'm outside city limits. Who permits my repairs?

Inside city limits, the City of Pensacola's Building Inspections Division handles permits. Areas like Warrington, Myrtle Grove and Ferry Pass are unincorporated Escambia County, which expedites post-storm roof, window and door permits through county Building Services. Emergency tarping to stop water from getting in does not need a county permit.

What can a public adjuster charge on an Isaias claim?

Escambia County is under the Governor's Isaias state of emergency (Executive Order 26-202), so for homeowners and condo unit-owner policies Florida caps public adjuster fees at 10 percent of claim payments for claims made during the year after the declaration; otherwise the cap is 20 percent. You can also cancel an emergency-related public adjuster contract within 30 days after the date of loss or 10 days after signing, whichever is longer.

Sources

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) 750-7536

Good 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.

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