Included in the Isaias emergency
FEMA included Escambia County in the October 9, 2026 emergency declaration for Hurricane Isaias (EM-3655), for Public Assistance.
Escambia County · Florida
Escambia County Public Adjuster: Pensacola, Perdido Key & Hurricane Isaias Claims
Escambia County has lived through Ivan, Dennis, Sally and now Hurricane Isaias. American Financial Claims reviews roof, water and wind claims across Pensacola, the beaches and the north county.
FL individual W915694
Firm G288962
Request a free claim review.
Tell us about your Escambia County property.
Photo: TimothyJ · CC BY 2.0
Only in Escambia County
Local facts that shape property claims.
Ivan’s strongest winds
NHC says Ivan’s narrow band of strongest winds in 2004 likely crossed Perdido Key and Perdido Bay, and that Perdido Key was essentially leveled.
Sally’s rain
NHC reports a maximum of 24.88 inches of rain just west of Naval Air Station Pensacola during Hurricane Sally in 2020.
Old and new housing
Historic downtown and East Hill homes, Pensacola Beach condos and newer north-county subdivisions each fail differently in wind and rain.
What hits Escambia County properties
The losses we document most often.
Hurricane wind and roof damage
Shingle, metal and tile roofs, soffits and siding.
Flooding rain and water intrusion
Sally-type rain events cause interior water and flood questions.
Tree impacts
Pines and oaks on roofs and fences across Pensacola and the north county.
Beach condo claims
Pensacola Beach and Perdido Key towers with master-policy and HO-6 overlap.
Storm history (NOAA)
What the National Hurricane Center recorded here.
- Ivan (Sep 16, 2004) made landfall just west of Gulf Shores, Alabama, at 105 knots (about 120 mph, Category 3). NAS Pensacola recorded 76-knot sustained winds with a 93-knot gust. Source: NHC report
- Sally (Sep 16, 2020) made landfall at Gulf Shores at 95 knots (about 110 mph). NAS Pensacola reported 64-knot sustained winds with an 80-knot gust, and up to 24.88 inches of rain fell just west of the base. Source: NHC report
- Isaias (Oct 9, 2026) made landfall near Destin as a Category 2 hurricane with 105 mph winds, per the NHC update issued at landfall. Source: NHC
Hurricane Isaias damage? Hurricane Isaias claim guide · Isaias damage guide: Pensacola area
FEMA declarations
FEMA-declared storms for Escambia County.
From FEMA’s disaster declarations data for Escambia County: household-aid (Individual Assistance) disasters since 2004, plus the 2026 Hurricane Isaias emergency declaration.
Hurricane Isaias
Emergency declaration on Oct 9, 2026. Escambia County included for Public Assistance. Individual Assistance was not part of this declaration as of October 18, 2026.
Hurricane Sally
Escambia County designated for Individual Assistance (aid to households) and Public Assistance.
Severe Storms, Tornadoes, Straight-Line Winds, and Flooding
Escambia County designated for Individual Assistance (aid to households) and Public Assistance.
Hurricane Dennis
Escambia County designated for Individual Assistance (aid to households) and Public Assistance.
Hurricane Ivan
Escambia County designated for Individual Assistance (aid to households) and Public Assistance.
Nearby pages
Cities we cover in Escambia County.
These are service areas, not separate offices.
Escambia County FAQ
Questions people ask before hiring.
Deadlines, Florida public adjuster fees and local coverage questions. Start with a free review, or text us now.
Text an adjusterHow long do I have to file a Florida property claim?
Florida law (Fla. Stat. 627.70132) generally requires notice of a new or reopened claim within 1 year of the date of loss and a supplemental claim within 18 months. For hurricanes, the date of loss is the landfall date. Your policy may require faster notice. If you are unsure whether your Escambia County file is still open, bring the policy and carrier letters to a free review at (239) 444-8101.
Can I still file a Hurricane Isaias claim?
Yes, if you act within the deadlines. Under Fla. Stat. 627.70132, a new or reopened hurricane claim must be reported within 1 year of the landfall date (Isaias made landfall October 9, 2026), and a supplemental claim within 18 months. Your policy may require prompt notice sooner, so report damage now.
Does FEMA aid replace my insurance claim?
No. FEMA’s Isaias declaration for Escambia County (EM-3655) covers Public Assistance for government response; it does not pay your homeowners claim. Your insurance claim is separate and has its own deadlines.
What are public adjuster fees in Florida?
Florida law caps public adjuster contingency fees in most property claims at 20% of the amount paid by the insurer under the policy. For claims arising from a declared state of emergency, a lower 10% cap typically applies for one year after the declaration. Ask for fees and services in writing before you sign. A free review does not create a fee.
Escambia County Isaias and storm claims: free review before you accept the first estimate.
Sources
- FEMA: Hurricane Isaias (EM-3655)
- FEMA: Hurricane Sally (DR-4564)
- FEMA: Severe Storms, Tornadoes, Straight-Line Winds, and Flooding (DR-4177)
- FEMA: Hurricane Dennis (DR-1595)
- FEMA: Hurricane Ivan (DR-1551)
- OpenFEMA Disaster Declarations Summaries (dataset)
- NHC Tropical Cyclone Report: Hurricane Ivan (2004)
- NHC Tropical Cyclone Report: Hurricane Sally (2020)
- NHC Tropical Cyclone Update: Isaias landfall near Destin (Oct 9, 2026)
- Fla. Stat. 627.70132 (claim deadlines)
- Hero photo: The beach at Gulf Pier in Pensacola Beach, Florida.jpg (TimothyJ, CC BY 2.0)