Was Your Home or Business Damaged by Hurricane Isaias?
On October 9, 2026, Hurricane Isaias made landfall near Destin, Florida, as a Category 2 hurricane with sustained winds of 105 mph. Destin, Fort Walton Beach, Pensacola, Navarre, Panama City Beach, and communities in southern Alabama took the worst of the wind, rain, and storm surge. Early estimates from Verisk put insured losses at $1 billion to $2 billion.
After a storm this size, insurance companies are flooded with claims. Property owners often find their roof and water damage underestimated, their losses blamed on wear and tear or flooding, or their payments delayed for months.
Larry Moskowitz, PA is a property damage law firm that represents policyholders, never insurance companies. Our attorneys have helped recover millions of dollars for homeowners, business owners, and community associations, and have represented hundreds of clients across Florida and around the country whose claims were denied, underpaid, or delayed.
Free Guide · After the Storm
Checklists, inventory forms, and 2026 Florida claim deadlines to help protect your property and your claim after Hurricane Isaias.
Hurricane Isaias at a Glance
Areas Hardest Hit by Hurricane Isaias
Destin and Fort Walton Beach. Isaias came ashore near Destin, bringing hurricane-force winds, storm surge along the Okaloosa County coast, and more than 11 inches of rain near Fort Walton Beach and Mary Esther. Roof damage, downed trees, and flooding were widespread.
Pensacola and Escambia County. Gusts topped 100 mph, and nearly 141,000 of Florida Power & Light’s 168,000 Escambia County customers lost power. Falling trees damaged homes, businesses, and roofs across the county.
Navarre and Santa Rosa County. Some of the strongest winds of the storm hit here, with gusts near 116 mph at Santa Rosa Sound and Oriole Beach. Debris and blocked roads slowed inspections and repairs.
Panama City Beach. The tide gauge recorded water about 5.6 feet above normal high tide, flooding low-lying coastal properties.
Southern Alabama. As Isaias moved inland, damaging winds, heavy rain, and widespread power outages reached communities across southern Alabama.
Read our full update: Hurricane Isaias: Florida’s Gulf Coast Faces the Aftermath.
What to Do After Hurricane Isaias Damage
Protect your property, document everything, and report your claim promptly. Key steps:
- Make the property safe. Tarp the roof or board windows to prevent more damage, and keep every receipt.
- Document the damage. Take photos and video of every room and the outside before cleanup or repairs.
- Report your claim. Florida law generally requires notice of a new claim within one year of the date of loss, which for Isaias is October 9, 2027. Supplemental claims for additional damage are due by April 9, 2028.
- Keep a claim file. Save your policy, claim number, and notes on every call and email with the insurer.
- Talk to an attorney before you sign anything or cash a check marked “final.”
Property Damage Law isn’t just what we do… It’s all we do.
– Larry Moskowitz, Esq.
