Public adjuster in Port St. Joe, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Port St. Joe, Cape San Blas, Wewahitchka and Gulf County. We represent Gulf County homeowners and business owners, never insurance companies, on hurricane, storm surge, flood, roof and water claims.
Se habla español. Ajustador público que habla español
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Why Port St. Joe claims are different
Hurricane Michael’s worst surge in 2018 hit the stretch from near Tyndall Air Force Base to Port St. Joe, including Mexico Beach, where the National Hurricane Center estimated 9 to 14 feet of water above ground. Michael came ashore as a Category 5 with 160 mph winds.
Storms keep testing Gulf County. Hurricane Helene’s surge in 2024 flooded Simmons Bayou and parts of Port St. Joe, and Hurricane Isaias in October 2026 caused minor damage to 25 structures, closed two roads with surge for about six hours and caused an estimated $25 million in beach and dune erosion, according to the National Weather Service.
Gulf County claims tend to share the same problems.
Filing after Hurricane Isaias? Our Hurricane Isaias insurance claim guide covers your deadlines, what your insurer must do and when, and FEMA help for Panhandle counties.
- Wind vs. surge
- Surge falls under flood insurance; wind under the homeowners policy. Cape San Blas and Port St. Joe homes usually have both. We document each.
- Repeat storms
- Michael, Helene and Isaias hit many of the same homes. Carriers blame old damage; repair records make the difference.
- Vacation rentals
- Cape San Blas rental owners should claim lost rental income along with the building damage.
- Claim deadlines
- Florida law requires notice of a new Isaias claim by October 9, 2027.
How we resolve Port St. Joe claims
Every claim starts with a complete, documented estimate of the damage. From there, we use whichever path gets the claim paid in full.
- Negotiated settlement
- We present the evidence, submit supplements for missed damage and negotiate directly with the carrier. Many claims are resolved here with a signed settlement and release.
- Appraisal
- When the dispute is over the amount of the loss and your policy includes an appraisal clause, each side names an appraiser and an umpire decides any disagreement. Jose Villacis is a WIND- and IAUA-certified appraiser and umpire.
- Mediation
- We prepare the claim and represent you at mediation, where a neutral mediator helps both sides reach a settlement. Mediation is one of the most common ways our claims are resolved.
- Litigation support
- If a carrier still won’t pay what the policy owes, we prepare the complete claim file, including documentation, estimates and claim history, so it’s ready for your attorney before a lawsuit is filed. Attorneys also hire us as insurance loss consultants to prepare estimates and document damages for their cases.
Every claim is different, and the right path depends on your policy and the dispute.
Claims we handle in Port St. Joe
- Hurricane and windstorm
- Flood and storm surge
- Roof leaks and roof damage
- Pipe bursts and water damage
- Mold from a covered peril
- Fire and smoke
- Fallen trees
- Lightning
- Power surges
Areas we serve around Port St. Joe
Port St. Joe, Cape San Blas, Indian Pass, St. Joe Beach, Highland View, Wewahitchka, Overstreet and the rest of Gulf County. We also handle claims in Bay and Franklin counties, across the Panhandle and all of Florida.
Why Port St. Joe property owners choose Aviva
- On site when it counts. we inspect your property in person, then handle follow-up by phone, email and video so your claim keeps moving.
- Licensed. Florida Public Adjusting Firm License #W869253. Jose Villacis, President and Principal Adjuster, holds Florida Public Adjuster License #P110421.
- Appraisal and umpire experience. Jose is a WIND- and IAUA-certified appraiser and umpire, which matters when a claim goes to appraisal.
- 18+ years of Florida property claims experience.
- Bilingual. English and Spanish, from the first call to the final settlement.
- No upfront cost. We only get paid if your claim pays, and our fee never exceeds Florida’s legal caps.
Port St. Joe public adjuster FAQ
Hurricane Isaias damaged my home in October 2026. How long do I have to file?
Under Florida law, notice of a new or reopened property claim must be given within 1 year of the date of loss, and a supplemental claim within 18 months. For Isaias, which made landfall on October 9, 2026, that means notice of a new claim by October 9, 2027. Don’t wait for the deadline: damage is easier to prove while it’s fresh.
My home has both surge and wind damage. Which policy pays?
Usually both, for different parts. Flood insurance covers rising water and surge, and the homeowners policy covers wind and wind-driven rain. We document each type of damage separately.
My home was damaged in Michael, and again since. Will the insurer blame the old damage?
It often tries. Repair invoices, permits and photos from after each storm show what was fixed. Where those are missing, we document how the new damage differs from older conditions.
Talk to a Port St. Joe public adjuster today
Free claim review, no upfront cost. Se habla español.
Aviva Insurance Adjusters, Corp., 7416 Community Ct., Hudson, FL 34667Storm and local facts: The Weather Channel on National Hurricane Center surge estimates; NOAA; National Weather Service Tallahassee Hurricane Helene and Isaias impact summaries. Aviva Insurance Adjusters, Corp. is an independent Florida public adjusting firm and is not affiliated with Aviva plc, Aviva Canada or any insurance carrier. FL Public Adjusting Firm Lic.# W869253.