Public adjuster in Pensacola, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Pensacola and Escambia County. We represent Pensacola homeowners, condo owners and business owners, never insurance companies, on hurricane, flood, roof, tree and water claims.
Se habla español. Ajustador público que habla español
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Why Pensacola claims are different
Hurricane Isaias hit the western Panhandle on October 9, 2026, making landfall near Destin as a Category 2 with 105 mph winds. In Escambia County, about 79% of customers lost power, hundreds of trees came down, many onto homes and power lines, numerous Pensacola Beach homes had siding, roof and wall damage, and most buildings at the Port of Pensacola were damaged, according to the National Weather Service.
Pensacola had barely finished rebuilding from Hurricane Sally. In September 2020, Sally stalled over the area and dropped 24.8 inches of rain at Pensacola Naval Air Station by the morning after landfall, with a 5.6-foot surge in Pensacola and downtown streets underwater. Some homes now carry damage from both storms.
That leaves Pensacola 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.
- Two storms, one house
- Carriers argue that Isaias damage was really left over from Sally. Repair records, permits and photos from after Sally make the difference.
- Rain intrusion vs. flood
- Rain that comes through a storm-damaged roof is a homeowners claim; rising water is flood. Sally’s extreme rain blurred the line, and Isaias did too. We trace the path of the water.
- Trees
- Isaias dropped hundreds of trees on Escambia County homes. The structure is usually covered; tree removal is often capped.
- Claim deadlines
- For Isaias, Florida law requires notice of a new claim by October 9, 2027, and supplemental claims within 18 months.
How we resolve Pensacola 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 Pensacola
- 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 Pensacola
Pensacola, Pensacola Beach, Perdido Key, Warrington, Ferry Pass, Brent, Cantonment, Molino, Century and the rest of Escambia County. We also handle claims in Santa Rosa and Okaloosa counties, across the Panhandle and all of Florida.
Why Pensacola 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.
Pensacola 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 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.
A tree fell on my house. Is that covered?
Usually, when the tree damages a covered structure like your home, garage or fence. The policy typically pays to repair the structure and to remove the tree from it, though debris removal for trees is often capped. A tree that falls in the yard without hitting anything is often not covered. We document the tree, the impact and every damaged component.
Talk to a Pensacola 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; Florida Phoenix and AP reporting on Isaias; National Weather Service and The Weather Channel reporting on Hurricane Sally. 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.