Hurricane Isaias

Hurricane Isaias Damage? Protect Your Claim.

Hurricane Isaias is bearing down on the Florida Panhandle. Five Star's licensed Florida public adjusters help homeowners and businesses document wind, rain and storm damage and get the claim paid in full. No upfront cost, and fees on Isaias claims are capped at 10% under Florida's emergency rules.

Licensed Florida public adjusters serving the Panhandle
Wind and water damage documented separately, because policies treat them differently
No upfront cost. Fees capped at 10% for declared emergency claims

Call Five Star: 888-578-2735

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Hurricane Isaias: What Panhandle Homeowners Should Do Now

Hurricane Isaias is forecast to make landfall on the northern Gulf Coast late Friday, October 9, or early Saturday, October 10, 2026. As of the National Hurricane Center's 7 a.m. CDT advisory on October 8, a hurricane warning covers the Florida Panhandle west of the Bay/Gulf county line, which includes Pensacola, Navarre, Fort Walton Beach, Destin and Panama City, and a storm surge warning runs along the coast to the Steinhatchee River. Follow the National Hurricane Center and your county emergency management office for the latest track and evacuation orders. Your safety comes before any insurance claim.

Before Isaias arrives

If you have time and it is safe, walk through your home and record a video of every room, the roof as seen from the ground, the exterior on every side, and your major belongings. Photos taken before the storm are the best evidence you will ever have of your property's condition. Put your insurance policy, declarations page and photos somewhere you can reach from your phone, and note your hurricane deductible, which in Florida is usually a percentage of the dwelling limit rather than a flat amount.

After the storm: protect your claim

Once it is safe, photograph and video all damage before you move or throw anything away, including roofs, ceilings, windows, fences, screen enclosures and soaked flooring and furniture. Make only the temporary repairs needed to stop further damage, such as tarping the roof and boarding windows, and keep every receipt, because reasonable emergency repairs are part of the claim. Report the claim to your insurer promptly. Be cautious of anyone who asks you to sign over your insurance benefits or pressures you to sign a repair contract on the spot.

Wind, rain and flood are covered differently

Homeowners insurance covers wind damage, and rain that enters through an opening the wind created, subject to your hurricane deductible. It does not cover flooding or storm surge, which need a separate flood policy. When a home takes both wind and water, the insurer will look closely at which caused what. Documenting the roof, window and wall damage separately from the water line is how the wind portion of the claim gets paid in full.

Lower public adjuster fees after a declared emergency

Governor DeSantis declared a state of emergency on October 6, 2026, for 25 counties in the Panhandle and Big Bend, including Escambia, Santa Rosa, Okaloosa, Walton and Bay. Under Florida law, a public adjuster's fee on claims from a declared emergency is capped at 10% of the claim payment for claims made during the year after the declaration, half the normal cap, and you can cancel a public adjuster contract for an emergency claim without penalty within 30 days of the loss. Five Star's licensed Florida public adjusters charge nothing upfront and are paid only if we recover money for you.

THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.

Questions we hear in the Florida Panhandle

Does Five Star handle Hurricane Isaias claims in the Florida Panhandle?

Yes. Our licensed Florida public adjusters handle hurricane claims across Florida, including Escambia, Santa Rosa, Okaloosa, Walton and Bay counties. Request a free claim review on this page or call 888-578-2735, and we will arrange an inspection once it is safe.

What will a public adjuster cost for a Hurricane Isaias claim?

Nothing upfront. Because Isaias is the subject of a declared state of emergency in Florida, a public adjuster's fee on claims from the storm is capped by law at 10% of the claim payment for claims made in the year after the declaration.

Does homeowners insurance cover flood damage from Hurricane Isaias?

No. Homeowners policies exclude flooding and storm surge, which are covered only by a flood policy. Wind damage, and rain that came in through openings the wind created, are covered by your homeowners policy, so it is important to document them separately.

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

Florida law generally requires notice of a new property claim within one year of the date of loss, and a supplemental claim within 18 months. Report it as soon as you can, because evidence is easiest to gather right after the storm.

Types of Claims We Handle

A hurricane claim is several claims at once: the roof, the water that came in behind it, and everything inside. Each is documented on its own so none of it is left out.

Hurricane & Wind Damage

Roof, window, fence and screen enclosure damage from Isaias's winds, documented slope by slope and opening by opening.

Wind-Driven Rain & Water Damage

Rain that entered through wind damage is covered under your homeowners policy. We prove the path the water took.

Real Results

Clients we've helped across the country

Claim increased from $9,211 to $82,425 — Initial Insurance Offers $9,211
Five Star Result: **$82,425**
+794%

Claim increased from $20,646 to $147,000 — Initial Insurance Offers $20,646
Five Star Result: **$147,000**
+612%

Claim increased from $19,118 to $37,088 — Initial Insurance Offers $19,118
Five Star Result: **$37,088**
+94%

Claim increased from $740,182 to $2,112,227 — Initial Insurance Offers $740,182
Five Star Result: **$2,112,227**
+185%

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