Here for our Florida neighbors
If Hurricane Isaias took a piece of your roof, your fence, or your peace of mind, you don't have to sort out the insurance part alone. We help Florida property owners get their houses rebuilt — and we handle it in plain language, one clear step at a time.
Hurricane Isaias & Florida homes
Isaias came ashore near Destin on October 9, 2026 as a Category 2, and the damage varied street by street. Some homes barely flinched; others have a tarp where the roof used to be. Whatever your house looks like today, the goal is the same: get it properly paid for and properly rebuilt.
Ask about my homeWe pull up your declarations page, explain what you actually bought, and tell you what your carrier owes in plain words.
We compare the carrier's number against your contractor's, line by line, and document what was left out.
Hurricane deductibles work differently from ordinary ones. We confirm which amount applies before you're charged.
Moisture in the walls, mold behind the drywall, roof layers that only show up weeks later — we get them into the claim.
Roofs, common areas, assessments, and units where the association's policy and yours need to line up.
Dates, adjusters, and promises are tracked in writing, so your repair doesn't sit in someone's inbox.
How we work a claim
Photos, moisture readings, and a contractor's scope captured while everything is fresh — the single biggest thing you can do.
A plain-language read of your coverage, your deductible, and what a reasonable number looks like for your home.
We answer each objection in writing and keep the claim moving — appraisal, mediation, or court if the carrier needs the push.
The finish line isn't a check. It's a new roof, a dry house, and your family back home in it.
Free help — no obligation
A practical checklist for Florida homeowners, landlords, and association boards. Work down the list at your own pace — and share it with a neighbor who's still standing in a wet kitchen.
Every room, the roofline, the yard, the fence — before tarps, before haulers, before anyone hoses it off. Photos are the strongest thing you own.
Tarps, plywood, fans, dehumidifiers, and a hotel night are usually recoverable. Save every invoice and log who came out and when.
Note the claim number, the adjuster's name, and the date you gave notice. One page of notes saves weeks of guessing.
Walk your own property with a licensed contractor before you meet the carrier's adjuster. You'll compare two numbers instead of one.
A release, a full assignment, or a 'final' payment offer can close your claim early. Bring it to us and we'll read it with you — free.
A covered loss often looks like a small one from the ground. If a neighbor gave up on a low number, introduce them — the first call costs nothing.
The dates that matter
Bring your policy and we'll confirm exactly what applies to your home — every policy reads a little differently.
Florida law generally gives one year from the date of loss to give notice of a hurricane claim — for Isaias, the date of loss is the October 9, 2026 landfall. Report it now; don't wait for the repair.
Supplemental claims — the leak you spot next spring — are generally open for eighteen months from that same date of loss.
Once you give notice, an insurer generally has sixty days to pay or deny, with limited exceptions. Silence is not a good sign — it's a reason to ask in writing.
Florida's hurricane deductible applies once per calendar year, and the hurricane period runs from the National Hurricane Center warning until 72 hours after the last watch or warning ends.
We help homeowners, landlords, and associations get the insurance money that turns storm damage back into a finished house — and we carry the claim paperwork so you can focus on the repairs.
When negligence upends a life, we pursue full and fair recovery — from medical costs and lost wages to the quieter losses that don't fit on a spreadsheet.
A second opinion when the first one cost you. We work with leading clinical experts to investigate harm, hold providers accountable, and recover what was lost.
Plans that protect what you've built and the people you love — drafted in plain language, reviewed as your life changes, and ready when families need them most.
Closings, disputes, and everything in between — including homes caught mid-storm: damaged properties in active transactions, escrow disputes, and sellers who won't fix or credit.
The Approach
We start with a free, unhurried conversation — by phone, video, or in person. No intake form before a human.
We review the facts honestly, explain your options in plain language, and tell you what we'd do if it were our family.
If we're a fit, we get to work — with clear communication and the standard we'd want for ourselves.
Good questions
Short, honest answers to what callers ask most. If yours isn't here, ask it — the first call is free.
Not at all. A carrier's first answer is an opinion about cause, and opinions can be checked with an independent inspection, moisture readings, and a proper scope of repairs. Many homeowners we meet have a covered loss that simply wasn't documented yet.
Get both estimates in writing and compare them line by line. We price what was left out, document the missing items, and send the carrier a scope it can't wave off. Most low numbers move once they're answered item by item.
Report it as soon as you can. Florida law generally gives one year from the date of loss to give notice — for Isaias, the date of loss is the October 9, 2026 landfall — and damage found later is generally claimable for eighteen months from that same date. Bring your policy and we'll confirm exactly what applies to you.
Usually yes, and it's worth checking which deductible applies. Florida's hurricane deductible applies once per calendar year, and the hurricane period runs from the National Hurricane Center warning until 72 hours after the last watch or warning ends. We check your declarations page so you're not charged the wrong amount.
The first conversation is free and confidential. Injury cases are handled with no fee unless we recover. Property and insurance disputes are explained up front — hourly, capped, or fee-shifting where Florida law allows — before you sign anything.
Voices
"The apartment above mine leaked into my kitchen. Michael fought their insurance company to get us a brand new kitchen and flooring!"
"We settled with a major hospital system in under 4 months for exactly what we demanded. They are the best!"
"I am so happy with Harbor America, they fought to get me policy limits when someone rear ended me"
"Someone hit my boat and Harbor America got me way more than I could have imagined!"
Free storm help
The first conversation is free and confidential. If you have them, send the claim number and the carrier's last letter — a photo of the roofline helps too. We answer every message within one business day, most within a few hours.
