Santa Rosa County Public Adjuster: Milton, Navarre, Pace & Gulf Breeze Claims

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 Santa Rosa County file is still open, bring the policy and carrier letters to a free review at (239) 444-8101.

Photograph the tree on the structure before removal if it is safe, then the roof, attic and interior damage, and keep every removal, tarp and repair invoice. Tree removal and debris costs are often limited by the policy, so the roof and interior damage need their own documentation.

Florida law requires a new or reopened hurricane claim within 1 year of the October 9, 2026 landfall date and a supplemental claim within 18 months (Fla. Stat. 627.70132). Report damage promptly; the policy may require faster notice.

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.