Hurricane IsaiasCondo · HOA · Vacation rental
Condo, HOA or vacation rental damaged by Isaias? Get prepared before you file.
Master policies, unit policies and lost rental income all have to line up. Get a free claim review from licensed Florida public adjusters before you file.
- 5.0★ Google rating, 380+ reviews
- Licensed Florida public adjusters
- Local offices in Pensacola and Panama City Beach
- 5.0★Google rating from 380+ reviews
- $10B+Noble reports recovered for policyholders
- 10%Florida fee cap on emergency claims, first year
- 1 yrTo report a new hurricane claim in Florida
Condo · HOA · Vacation rental
Lost rental income may be claimable
Keep cancelled bookings and repair records. Your policy may cover lost rent.
Before you file
Before you file your Hurricane Isaias claim in condo and rental owners
Condo and vacation rental claims are some of the most complicated after a hurricane. On the Emerald Coast, a single building can have an association master policy, hundreds of unit owner policies, separate flood coverage and rental income at stake, all at the same time.
Whether you sit on an association board or own a unit or rental, the questions are the same: what does each policy cover, who files what, and how do you make sure the damage is fully counted before anyone settles?
How condo and rental claims work after Isaias
For associations, the master policy usually covers the building structure, roofs, exterior walls and common areas. Boards need a full building-wide damage assessment, including hidden water intrusion inside walls, before agreeing to any settlement. Noble represents condo associations and HOAs as well as individual owners.
For unit owners, the HO-6 policy usually covers interior finishes, contents, loss of use and loss assessments, which help pay your share if the association charges owners for an uncovered loss. For vacation rental owners, fair rental value or business income coverage can help replace lost bookings while repairs are made.
Pre-filing checklist
6 things to do before you call your insurance company
Stay safe and make temporary repairs
Tarp the roof, board openings and remove standing water to stop more damage. Keep every receipt. Reasonable emergency repairs are usually covered, and your policy expects you to prevent further damage.
Photograph and video everything before cleanup
Shoot every room, wall, ceiling, roof slope and outdoor structure. Get wide shots and close-ups, and narrate the video. Don't throw away damaged items until they're documented.
Find your policy and declarations page
You'll need your homeowners or condo policy, any separate flood policy, and the declarations page that shows your limits and hurricane deductible.
Start a claim diary
Write down every call, email and visit: date, time, name and what was said. Keep copies of everything you send and receive.
Gather proof of what you had
Old photos, receipts, bank statements and listing photos help prove the condition of your property and the value of your belongings before the storm.
Get a free claim review before you file
Report the loss as your policy requires, but talk to a licensed public adjuster before giving a recorded statement, signing anything or accepting an estimate.
Tap each step as you finish it.
Why Noble
Licensed Florida public adjusters who work only for you
Noble Public Adjusting Group represents homeowners, condo owners, associations and businesses, never insurance companies. Noble reports more than $10 billion recovered for policyholders.
“Insurance Co.'s offer: $9,708.34. Noble's Settlement: $21,797.13. John was able to increase the settlement by 224% in less than a month's time.”
“They did exactly what they said, they filed, they fought, they finished.”
“I interviewed several PA groups before choosing and thankful every day that I chose Noble. They were the most professional and knew everything what I needed to do.”
- JWJames "Bo" WilliamsonFounder & Owner
- VSValerie SasserDirector of Operations
- BMBenjamin MaxwellClaims Manager
- MGMarianne del GallegoLoss Estimating Manager
Pensacola office
3250 W Navy Blvd, Suite 101
Pensacola, FL 32505
Panama City Beach office
107 Amar Pl, Suite 103
Panama City Beach, FL 32413
Condo · HOA · Vacation rental
Free claim review for owners
We help owners and associations understand their policy before they file.
Florida law
Hurricane claim deadlines every Florida property owner should know
- 1yearReport a new or reopened hurricane claimFla. Stat. 627.70132
- 18monthsReport a supplemental claim (more damage found later)Fla. Stat. 627.70132
- 7daysInsurer acknowledges your claim communicationFla. Stat. 627.70131
- 30daysInsurer inspects after receiving proof of lossFla. Stat. 627.70131
- 60daysInsurer pays or denies the claimFla. Stat. 627.70131
Deadlines current as of the 2026 Florida Statutes. Your policy may set additional duties, so read it carefully.
Our association wants to settle quickly. Should we?
A fast settlement can miss damage that shows up later, like water inside walls or mold. Boards should make sure the full scope is documented by qualified professionals before signing a release.
What is loss assessment coverage?
If your association charges each owner a special assessment to pay for damage the master policy doesn't cover, such as the hurricane deductible, loss assessment coverage on your unit policy may pay your share, up to its limit.
What does a public adjuster do?
A licensed public adjuster works for you, not the insurance company. We inspect and document the damage, review your policy, prepare a detailed estimate, and negotiate with your insurer to get the full amount your policy owes.
How much does Noble charge for a Hurricane Isaias claim?
The claim review is free. If you hire us, our fee is a percentage of what your insurer pays. For claims from a declared state of emergency, Florida law caps public adjuster fees at 10% of claim payments during the first year after the declaration.
How long do I have to file my Hurricane Isaias claim in Florida?
Florida law requires notice of a new or reopened claim within 1 year of the date of loss, and a supplemental claim within 18 months. Report as soon as you safely can, because waiting can make damage harder to prove.
Service areas
Areas we're helping after Hurricane Isaias
Get prepared before you file.
A free claim review takes a few minutes and costs nothing.