Navarre and Santa Rosa Beach Insurance Claim Lawyers

Navarre and Santa Rosa Beach Property Insurance Attorneys

Hurricane Isaias in Navarre

Isaias made landfall near Destin on October 9, 2026, as a Category 2 hurricane. Navarre is about 30 miles west of Destin.

Navarre reported flooded streets and parking lots and wind damage to homes and buildings. Santa Rosa County officials estimated about $250 million in property damage across the county.

Common Navarre claims after Isaias:

• Shingles and roof decking lost, with rain entering the home.
• Siding, soffits, garage doors and windows damaged by wind.
• Trees fallen onto the roof, fence or vehicles.
• Ceilings, drywall and floors damaged by rain water.

Wind or flood: who pays

A homeowners policy covers wind and rain that enter through storm damage. It does not cover rising flood water. Flood is covered by a separate flood policy, usually through the National Flood Insurance Program.

When a home has both wind and flood damage, insurers often call all of it flood. That moves the cost to the flood policy, which has lower limits and does not cover many items.

Water lines on walls, roof openings, ceiling stains and the order of events during the storm show which damage came from wind. We gather this evidence before repairs remove it.

Santa Rosa Beach and second homes

Santa Rosa Beach, in Walton County along Scenic Highway 30A, has many second homes and vacation rentals. Owners often live out of state and see the damage weeks after the storm.

• Report the claim as soon as you learn of the damage.
• Ask a neighbor or property manager to photograph the home before anything is moved.
• Stop more damage: tarp the roof and dry out water. Keep every receipt.
• Read your policy for vacancy and unoccupancy terms. Insurers use them to limit payment on homes that sit empty.

Mold that grows while a home sits closed up is a common dispute. Many policies cap mold coverage. We review how your policy treats mold that follows covered water damage.

Navarre and Santa Rosa Beach Insurance Claims

Florida deadlines for your claim

• A new hurricane claim must be reported to your insurer within 1 year of the date of loss.
• Your insurer must pay or deny the claim within 60 days of your notice.
• You can request a copy of your policy and the adjuster’s estimate.
• You can hire your own attorney to review a denial, delay or underpayment.

How we handle Navarre and Santa Rosa Beach claims

Ross Legal Group is based in Sarasota and represents property owners across Florida, including Santa Rosa County and Walton County.

• We review your policy, the adjuster’s estimate and the denial or payment letter.
• We separate wind damage from flood damage with inspections and photos.
• We deal with the insurance company for you.
• We file suit in court when the insurer does not pay what the policy owes.

Your first case review is free. Send photos of the damage with the form or call 941-275-1998.

U.S. Coast Guard rescue in Navarre after Hurricane Sally, 2020

Map – Navarre, FL