The wind damaged your roof
Lifted or missing shingles, a tarp on the roof, or leaks after the storm.
Hurricane Isaias · Florida
Did Hurricane Isaias damage your home or business?
A licensed public adjuster works for you, not for the insurance company. We review your claim for free, by phone or Zoom, anywhere in Florida.
- Free review of your policy and your damage
- We document the damage and negotiate with your insurer for you
- Nothing upfront, and no fee if nothing is recovered
Isaias made landfall near Destin on October 9 as a Category 2 hurricane. Source: Wikipedia, Hurricane Isaias (2026) ·
Tell us about your property.
A few details to start your free evaluation. We will contact you to arrange a phone or Zoom consultation.
- Florida license W319359Licensed public adjuster
- 10% maximum by lawOn Isaias claims during the year after the emergency
- No fee if nothing is recoveredAnd nothing to pay upfront
- English and SpanishAnywhere in Florida, by phone or Zoom
We can help
Did this happen to you after Isaias?
Water got into the house
Stains, a wet ceiling or damaged floors from the hurricane's rain.
Your insurer paid too little
The estimate does not cover what the repairs really cost.
Your claim was denied or stalled
A denial, delays, or requests for documents that never end.
Simple process
How it works
Call or send your details
A few details are enough to start.
We review your case for free
By phone or Zoom: your policy, the damage and what your insurer has said.
We handle your claim
If you hire us, we document the damage, prepare the estimate and negotiate with your insurer for you.
Client experiences
What property owners say
“Super responsive to any request and messages sent.”
“… knowledgeable, professional and truly care about their clients.”
“… very helpful throughout the claim process …”
Selected excerpts from individual experiences. Results vary from claim to claim.
Don't wait
What to do now
You have 1 year to report the claim
Florida law gives you 1 year after the date of loss to notify your insurer, and 18 months for a supplemental claim.
§ 627.70132Document before you repair
Photos and video of every damaged area, before cleaning or fixing, are the base of your claim.
Hire licensed contractors only
Contracting without a license during a declared state of emergency is a third-degree felony in Florida.
§ 489.127Your rights
Your rights with a public adjuster in Florida
The Governor declared a state of emergency for Hurricane Isaias. These Florida rules protect you on claims from the storm.
Public adjuster fees: 10% maximum on Isaias claims
- For claims from an event under the Governor's state of emergency made during the year after the declaration, a public adjuster may charge no more than 10% of what the insurer pays. After that year, and for other claims, the limit is 20%.
- 0% on anything the insurer paid or agreed in writing to pay before you signed the public adjuster contract.
- No fee may be based on your deductible, or on additional living expenses unless you agree to it in a separate document.
Your right to cancel
For a contract tied to a declared emergency, you can cancel without penalty within 30 days after the date of loss or 10 days after signing, whichever is longer.
§ 626.854(7)When a public adjuster may contact you
Only Monday through Saturday, between 8 a.m. and 8 p.m. You can always call us first.
§ 626.854(5)If you disagree with your insurer
On a residential claim you can ask the Department of Financial Services for mediation; the insurer pays its cost. Many policies also include appraisal.
DFS mediation programDocumentation
Checklist for your Isaias claim
Check off what you already have. This list stays in your browser: nothing is saved or sent.
Official help
Disaster resources
- Florida Department of Financial ServicesInsurance helpline 1-877-693-5236 · Report insurance fraud 1-800-378-0445
- Florida Division of Emergency ManagementOfficial updates on the response and recovery from Isaias.
- FEMA Disaster AssistanceApply for federal assistance if FEMA makes it available for your county.
- National Hurricane CenterOfficial advisories and forecasts.
- Verify a public adjuster's licenseFlorida Department of Financial Services licensee search.
- Verify a contractor's licenseFlorida Department of Business and Professional Regulation license search.
Let's talk about your Isaias claim.
Call now or send your details, and we will contact you to arrange your free evaluation.
General information about Hurricane Isaias and Florida law as of October 18, 2026. It is not legal advice, and results vary from claim to claim. Ricardo Public Adjusters Corp. is a licensed public adjusting firm and is not affiliated with any government agency.