Public adjuster in Santa Rosa Beach, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Santa Rosa Beach, 30A, DeFuniak Springs and Walton County. We represent Walton County homeowners, vacation rental owners and business owners, never insurance companies, on hurricane, tornado, roof, flood and water claims.
Se habla español. Ajustador público que habla español
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Why Santa Rosa Beach claims are different
A 116 mph wind gust was reported in Santa Rosa Beach as Hurricane Isaias came ashore near Destin on October 9, 2026. About 78,626 Walton County customers lost power, residential damage passed $8 million and public property damage passed $18 million, according to the National Weather Service.
Walton County’s tornadoes are a threat too. Walton County Emergency Management reported three EF1 tornadoes in one early-morning outbreak; the strongest, with peak winds of 110 mph, tracked 11 miles from Santa Rosa Beach toward DeFuniak Springs.
Walton 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.
- Vacation rental income
- Many 30A homes are rentals. Fair rental value or loss of rents coverage can pay the income you lose while repairs are made, but only if it’s claimed and documented.
- High-end finishes
- Custom materials, tile and millwork are often underpriced in carrier estimates. Florida’s matching law requires a reasonably uniform appearance after repairs.
- Tornado or hurricane deductible
- A winter tornado usually falls under the all-other-perils deductible, not the hurricane deductible. Carriers sometimes apply the wrong one.
- Claim deadlines
- Florida law requires notice of a new Isaias claim by October 9, 2027.
How we resolve Santa Rosa Beach 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 Santa Rosa Beach
- 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 Santa Rosa Beach
Santa Rosa Beach, 30A, Seaside, WaterColor, Rosemary Beach, Inlet Beach, Miramar Beach, Sandestin, Freeport, DeFuniak Springs and the rest of Walton County. We also handle claims in Okaloosa and Bay counties, across the Panhandle and all of Florida.
Why Santa Rosa Beach 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.
Santa Rosa Beach 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 is a vacation rental. Can I claim the bookings I lost?
If your policy includes fair rental value or loss of rents coverage, it can pay rental income you lose while the home is being repaired. We document cancelled bookings and claim it with the building damage.
How does my hurricane deductible work?
On most Florida homeowners policies the hurricane deductible is a percentage of your dwelling limit, often 2% to 10%, and it applies once per calendar year with the same insurer. A tornado or windstorm outside a hurricane usually falls under the smaller all-other-perils deductible instead. Which deductible applies is worth checking before you accept a payment.
Talk to a Santa Rosa Beach 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: CNN reporting on Hurricane Isaias; National Weather Service Tallahassee Isaias impact summary; Walton County Emergency Management annual report. 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.