Hurricane Isaias recovery · Florida Panhandle · Florida public adjuster
Isaias came ashore near Destin as a Category 2 hurricane, with surge, roof-tearing gusts and flooding rain across the Panhandle. Your insurance company has an adjuster working for its side. American Financial Claims works for you: a free claim review and inspection, and no recovery, no fee.
Revisión de reclamo gratis en españolRevisão gratuita do pedido de indenização em português
Hurricane Isaias · October 9–10, 2026
Isaias brought hurricane-force gusts, life-threatening storm surge and flooding rain from Pensacola to Panama City Beach. If your family is among them, we are sorry, and we are here to help with the claim. These are the official numbers from the National Hurricane Center:
Isaias made landfall near Destin around 9:30 PM ET Friday, October 9, as a Category 2 hurricane, with life-threatening storm surge along the Gulf Coast.
Source: NHC Tropical Cyclone Update, 8:30 PM CDT Oct 9Peak strength in the Gulf: Hurricane Hunters found Isaias had become a major Category 3 hurricane on the morning of October 9.
Source: NHC Tropical Cyclone Update, 7:20 AM CDT Oct 9Wind gust reported near Santa Rosa Sound. NHC also cited a 100 mph gust near Pensacola.
Source: NHC Tropical Cyclone Update, 8:30 PM CDT Oct 9Wind gust reported in Gulf Breeze as the eyewall neared the coast.
Source: NHC Intermediate Advisory 13AWater above normal high tide (mean higher high water) at a NOAA gauge in Panama City Beach.
Source: NHC Tropical Cyclone Update, 8:30 PM CDT Oct 9Rain NHC forecast in its final advisory across the Panhandle and Big Bend, locally up to 15 inches, with flash, urban and river flooding.
Source: NHC Advisory 15 (final)NHC issued its final advisory on Isaias on October 10, 2026, and discontinued all Florida warnings. The storm is over; the claim is just starting. Full timeline and claim deadlines: Hurricane Isaias claim guide.
After the storm
Your insurance company will send its own adjuster, who works for the insurer’s interests. A licensed public adjuster works only for you, the policyholder. Here is what we do:
We inspect the property and review where your claim stands, at no cost and with no obligation.
Roof, wind, water intrusion and surge damage, photographed, measured and tied to the cause of loss.
Coverage, exclusions, flood vs. wind, and your hurricane deductible. Try the hurricane deductible calculator.
A detailed, line-by-line estimate of the repair scope, filed with the documentation to support it.
We handle the back-and-forth with the insurance company’s adjuster for you, through settlement.
No recovery, no fee.
If you hire us, our fee is a percentage of the recovery, disclosed in a written contract before you sign. Results depend on your policy and the facts and are not guaranteed.
Checklist
A few steps in the first days after the storm can protect both your family and your claim. Questions? Call (239) 444-8101.
American Financial Claims is a public adjusting firm, Florida firm license G288962. Armando Ferrer is individually licensed as a public adjuster in 15 states. We do not sell insurance or provide legal advice, and this is not a weather forecast. Storm facts are from National Hurricane Center products linked above.
¿Daños por el huracán Isaias? Revisión gratis de su reclamo en español
Your insurance company has an adjuster. You can have one on your side. We inspect the damage, document the repair scope, and help pursue the payment your policy supports.
Hurricane Isaias · After the storm
Isaias made landfall near Destin on October 9, 2026, as a Category 2 hurricane, per the National Hurricane Center. The storm is over. The insurance claim is just starting.
Under Florida law, a new or reopened hurricane claim must be reported to your insurer within 1 year of the landfall date, and a supplemental claim within 18 months (Fla. Stat. 627.70132). Your policy may require prompt notice sooner, so report damage now and photograph everything before repairs.
Already filed? If the insurer’s estimate looks low, or the claim was delayed or denied, a free claim review can show what may be missing. No recovery, no fee.
NO RECOVERY, NO FEE
Homeowners ask this first. American Financial Claims works on contingency: if we do not obtain a recovery, you do not owe a public adjusting fee. The claim review is free.
Past results and published research are not a guarantee of similar outcomes. Every claim depends on the policy, the facts, documentation, and the carrier’s position. Call (239) 444-8101 for a free consultation.
Real matters where American Financial Claims helped property owners pursue a stronger, better-documented claim outcome.
Florida recoveries
Windstorm
Insurer’s first payment$0
Recovered with us
$87,000
Pam
Punta Gorda, FL
Fire
Insurer’s first payment$0
Recovered with us
$232,000
Seung
Tampa, FL
Plumbing leak
Insurer’s first payment$2,334
Recovered with us
$108,000
Leidys
Miami, FL
Hurricane
Insurer’s first payment$1,356.32
Recovered with us
$175,000
Jessica & Bryan
Bradenton, FL
Recoveries clients authorized us to share. Every insurance claim is different, and prior results do not guarantee a similar outcome. Every claim depends on the policy, the facts of the loss, documentation, and the carrier’s position.
Google reviews
Five-star Google reviews from property owners we represented. Shared with first names only.
Individual experiences. Every claim is different and past results do not guarantee a similar outcome.
Roof, openings, interiors. Connect the effects of the storm.
Document the source, drying work and affected materials.
Get the proposed repair scope into sharper focus.
Bring the building, contents and disruption into the file.
Put the moisture history and assessment records together.
Building, equipment and business interruption — keep operations moving while we document the claim.
A carrier estimate can look complete until you compare the rooms, quantities, materials and repair operations line by line. Explore four illustrative examples below.
Based only on the numbers entered. This is not a settlement prediction. Deductibles, depreciation, limits, prior payments and coverage are not included.
A licensed public adjuster will review it with you, free. No recovery, no fee.
CLAIM CARRIERS
We represent policyholders — not insurance companies. If Citizens, Slide, State Farm, or another carrier shorted your claim, start with a free review.
We are not affiliated with these insurers. Your declarations page controls the writing company.
Armando Ferrer’s The Insurance Game: And How To Win It shows you the players, the pressure points and the moves that protect your claim. Learn more about the book
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Armando Ferrer leads American Financial Claims. We help property owners turn scattered documents and unanswered questions into a claim presentation grounded in evidence.
We can review the payment, estimate and supporting records. A payment does not tell us by itself whether the full repair scope has been addressed.
An initial conversation about the damage, claim status and available documents, plus discussion of an inspection where appropriate. Representation terms are explained separately.
We inspect the damage, identify missing scope, prepare detailed estimates and organize the evidence supporting your claim. Results depend on the policy, facts and documentation.
Yes. Start with what you have. We will help identify the next useful records and build from there.
Start by phone, arrange a Zoom consultation or ask about a property inspection. In-person visits are by appointment.
No recovery. No fee.
Tell us the property, the carrier, and where the claim stands. A person from American Financial Claims calls you back.
This form does not hire us. Individual public adjusters are licensed in 15 states.
