Public adjuster in Navarre, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Navarre, Gulf Breeze, Milton and Santa Rosa County. We represent Santa Rosa County homeowners and business owners, never insurance companies, on hurricane, wind, roof, tree, flood and water claims.
Se habla español. Ajustador público que habla español
7,000+ structures affectedin Santa Rosa County by Hurricane Isaias, October 2026.
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Why Navarre claims are different
Santa Rosa County took some of the worst of Hurricane Isaias in October 2026. The National Weather Service reported about 100 structures destroyed, about 400 with major damage and more than 7,000 affected, with at least $247 million in damage. About 93% of the county lost power, and gusts reached 102 knots, about 117 mph, at a station in Jay.
Many of those same neighborhoods were hit by Hurricane Sally in 2020, when the worst damage was along the Blackwater River, the Garcon Point peninsula, Navarre, unincorporated Gulf Breeze and Midway. Six years later, owners are filing on homes that were only recently repaired.
That leaves Santa Rosa County owners with claim problems we see again and again.
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.
- Total losses
- When a home is destroyed, Florida’s valued policy law can require payment of the full dwelling limit for a covered total loss. Carriers sometimes argue part of the loss was flood. We document the cause.
- Repeat damage
- Carriers blame Sally for Isaias damage. Repair records from after 2020 make the difference.
- Trees and wind
- Hundreds of snapped trees fell on homes. Structure repairs are usually covered; tree removal is often capped.
- Claim deadlines
- Florida law requires notice of a new Isaias claim by October 9, 2027, and supplemental claims within 18 months.
How we resolve Navarre 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 Navarre
- 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 Navarre
Navarre, Navarre Beach, Gulf Breeze, Midway, Milton, Pace, Jay, Holley and the rest of Santa Rosa County. We also handle claims in Escambia, Okaloosa and Walton counties, across the Panhandle and all of Florida.
Why Navarre 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.
Navarre 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 house was destroyed. Will the insurer pay my full policy limit?
Under Florida’s valued policy law, a covered total loss to a building from a covered peril like wind generally requires payment of the full dwelling limit. When wind and flood both played a part, the carrier may argue otherwise, so documenting the cause is critical.
My home was damaged in Sally, and now Isaias. Will the insurer blame the old damage?
It often tries. Repair invoices, permits and photos from after Sally show what was fixed. Where those are missing, we document how the new damage differs from older conditions.
Talk to a Navarre 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: National Weather Service Mobile/Pensacola Hurricane Isaias impact summary; Pensacola News Journal reporting on Hurricane Sally damage. 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.