Consider a public adjuster in Pensacola if your Isaias damage is extensive, your roof claim is disputed, or the insurer’s estimate seems low. For a small, clear claim, you can usually handle it yourself. Florida caps public adjuster fees at 10 percent for Isaias claims, and you can cancel a contract without penalty for at least 30 days after the storm.
What a Public Adjuster Does
The adjuster your insurer sends works for the insurance company. A public adjuster is state-licensed and works for you. That includes reviewing your policy, inspecting the property, writing an itemized repair estimate, and negotiating with the insurer. Florida requires that estimate within 60 days of signing.
When It Makes Sense
From our work on storms like Isaias, outside help pays off most when:
- The roof is the main loss. Insurers often approve a repair when matching or code requirements support a replacement.
- Water got inside. Wet insulation and framing are easy to miss on a quick inspection.
- The estimate is close to your deductible. An incomplete estimate can make a real loss look like it falls under a 2% to 10% hurricane deductible.
What Florida Law Allows
Under Florida Statute 626.854:
- Fees are capped at 10 percent for claims made within one year of the October 6, 2026 emergency declaration.
- Fees cannot be charged on your deductible.
- You can cancel within 30 days after the date of loss or 10 days after signing, whichever is longer.
Red Flags
Walk away from anyone who offers to waive your deductible, offers gifts or cash to sign, says there is “no risk” in filing, or solicits on a Sunday or outside 8 a.m. to 8 p.m. A roofer offering to “handle the insurance” without a public adjuster license is breaking Florida law. Verify any license through the Florida Department of Financial Services before signing.
Frequently Asked Questions
How much does a public adjuster cost after Hurricane Isaias?
No more than 10 percent of what the insurer pays, on a contingency basis. If nothing is recovered, nothing is owed.
Can a public adjuster help with a denied or underpaid claim?
Yes. A public adjuster can review the denial or estimate and pursue a reopened or supplemental claim within Florida’s deadlines.
How do I check if a public adjuster is licensed?
Use the licensee search on the Florida Department of Financial Services website. The license number must also appear on the contract.
Get a Second Opinion
Ryan Risteen has worked every named storm in Florida since 2005, including claims in Pensacola. If your hurricane damage claim feels stuck, call (954) 295-1506 or request a free consultation.
About the reviewer: Ryan Risteen is the founder of Phoenix Claims Consulting and a licensed Florida public adjuster (License P172623) with 18 years of experience.