Our Florida team has evacuated safely. Our Lexington, Kentucky office is handling all quotes, claims, billing and service. Call (850) 684-0164; calls ring through to Kentucky.

Hurricane Isaias has passed. Stay home if you can, expect flooding and power outages, and check your county before returning.Details

Isaias made landfall near Destin Friday night and is now post-tropical; NHC has no watches or warnings in effect. We found no official county-wide all-clear for Okaloosa, Walton or Escambia yet. First: photograph all damage before cleanup, make only temporary repairs, keep receipts, and call your own insurer to file a claim.

Last checked 9:50 p.m. ET (8:50 p.m. CT) Sat, Oct 10. Conditions change quickly; always follow your county.

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After the storm: Hurricane Isaias recovery help

Claim numbers, flood claim steps, disaster assistance, safety tips and local recovery links for the Florida Panhandle, from official sources.

Start here: our standard advice after any storm

  1. Take photos and video of all damage before you clean up. Walk every room and the outside, and note make, model and serial numbers of damaged appliances and electronics.
  2. Make temporary repairs only to prevent more damage (tarp a roof, board a window, stop active leaks). Hold off on permanent repairs until your insurer has had a chance to inspect.
  3. Keep every receipt for temporary repairs, supplies, food, and lodging if you can’t stay home.
  4. Call your own insurance company to file a claim. Use the claim numbers below, and ask your insurer before you throw away damaged property or sign a repair contract.

Where things stand

Last checked 9:50 p.m. ET (8:50 p.m. CT) Sat, Oct 10, 2026. Conditions change fast; always follow your county.

  • Hurricane Isaias made landfall near Destin around 9:30 p.m. EDT Friday, Oct. 9, as a Category 2 hurricane with 105 mph winds, then moved north through the western Panhandle into Alabama and became post-tropical early Saturday (Florida Governor’s office; NHC).
  • NHC’s last advisory (4 a.m. CT Saturday) had no watches or warnings in effect. Flash flooding is still a risk: 4 to 8 inches of rain through the weekend across the Florida Panhandle, with localized totals up to 15 inches; water levels along the Gulf coast were receding.
  • Power: about 448,000 customer accounts were without power statewide as of 7 a.m. Saturday (Governor’s office). Treat every downed line as live.
  • Evacuation orders: we did not find an official county-wide all-clear for Okaloosa, Walton or Escambia. Walton County said it will announce when areas are safe to return and its Saturday 8 a.m. FAQ still listed mandatory zones A, B and C. Okaloosa began standing down its shelters Saturday morning and its EOC page showed no all-clear. Escambia says roads remain unsafe and asks residents to stay home. Check your county before you return: Okaloosa · Walton (FAQ) · Escambia.
  • Federal help: FEMA announced an emergency declaration on Oct. 9 for 27 Florida counties including Okaloosa, Walton and Escambia. That covers emergency response, not grants to households. Household help (FEMA Individual Assistance) starts only if a major disaster declaration designates your county; none had been announced when we checked. See DisasterAssistance.gov for the current list.

Who to call to report a claim

Not our client? Call your own insurer. Here are the claim lines for two Florida home insurers that many Panhandle homeowners have. Numbers are from each company’s own website.

Asshield Insurance client? Report your claim to us and we will help you start it with your carrier. Report a claim

Flood damage and the NFIP

  • A flood policy covers water that comes in from the ground up (storm surge, flash flooding, rising water). Rain blown in by wind or coming through a damaged roof is a different type of claim, so tell your insurer exactly what happened (FEMA / FloodSmart).
  • Report the loss to your flood insurer as soon as possible. Not sure who it is? The NFIP help center is (877) 336-2627. NFIP Direct policyholders call (800) 638-6620 (floodsmart.gov/contact).
  • Document damage with photos and video, keep samples of flooded carpet, flooring and curtains, then discard items that are a health risk. Do what you can to limit mold: standard NFIP policies don’t cover mold damage. Ask to see the adjuster’s Flood Control Number card.
  • Advance payment: during major flood events FEMA allows insurers to offer up to $5,000 without an adjuster visit, or up to $20,000 with FEMA authorization and documentation. It is deducted from your final payment (FloodSmart).
  • Proof of loss deadline: the standard flood policy requires a signed proof of loss within 60 days of the date of loss. FEMA has extended this deadline for past major hurricanes; we have not seen an extension for Isaias, so ask your flood insurer for your exact deadline (FEMA bulletin example (Milton); NFIP Claims Handbook).
  • Claims typically take 4–8 weeks to finalize. If a claim is denied or you disagree with the amount, you can appeal (appeal options). Also apply for FEMA disaster assistance if your county is declared, even with flood insurance.

Disaster assistance and recovery help

Local recovery pages (Okaloosa, Walton, Escambia)

Safety and cleanup (official guidance)

  • Floodwater and downed lines: turn around, don’t drown. Don’t walk or drive through floodwater, and stay away from downed power lines and standing water near them. Return in daylight and only when your county says it’s safe (CDC: returning home).
  • Electric and gas: if you can reach the main breaker from a dry spot, turn the power off; if you must stand in water to reach it, call an electrician. Never use wet electrical equipment. If you smell gas, leave right away, avoid any spark, and call the gas company or fire department (CDC: reentering a flooded home).
  • Generators: run them only outdoors, at least 20 feet from windows, doors and vents, and use a battery-powered carbon monoxide detector. Never run a generator, pressure washer or grill indoors or in a garage (Ready.gov; CDC).
  • Mold: dry the home within 24–48 hours if possible; throw out what can’t be cleaned and dried (carpet, mattresses, soaked drywall). When cleaning mold wear an N95 respirator, goggles and gloves, ventilate, and never mix bleach with ammonia or other cleaners (CDC mold clean-up; EPA mold clean-up). People with asthma, COPD or weak immune systems should not stay in a moldy home.
  • Food and water: when in doubt, throw it out. Don’t use water you suspect is contaminated for drinking, cooking or brushing teeth; use bottled, boiled or treated water (CDC). Okaloosa and Walton utilities have asked customers to conserve water while power is out.
  • Flooded vehicles: don’t start a car that has water inside or wet carpet; have it inspected first. Don’t park a damaged hybrid or electric vehicle in a garage or within 50 feet of a structure if the battery may be damaged (NHTSA). Call your auto insurer about comprehensive coverage.
  • Contractor scams and price gouging: be wary of anyone who knocks on your door after a storm, and check IDs (FEMA warns scammers pose as government agents or adjusters). Don’t sign a repair contract before talking to your insurer. Florida encourages licensed contractors to register at DCNOnline.org. Report price gouging: 1-866-966-7226 (number listed on Escambia County’s storm page).

This page is a public courtesy summary of official information, last checked as shown above. It is not legal or insurance advice and does not change any policy. Always confirm with the official source linked. Questions? FL (850) 684-0164 (calls ring through to our Kentucky office right now).

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