Destin may be known for white-sand beaches and emerald waters, but coastal living comes with risks. From hurricanes and flooding to fire and plumbing issues, property damage is a reality for many homeowners and business owners in the area.
When disaster strikes, you expect your insurance company to help you rebuild. But too often, insurers delay, underpay, or deny valid claims—leaving you stressed and financially exposed. That’s where we come in.
At Allegiant Public Adjusters, we work for you, not the insurance company. Our licensed adjusters help Destin property owners secure fair and full insurance settlements. Whether you’re filing a new claim or challenging an unfair denial, we fight to make sure you get what you’re owed.
Insurance companies have adjusters and legal teams working to protect their bottom line. You deserve someone fighting just as hard for yours.
Allegiant provides:
Best of all? We work on a contingency fee basis—meaning you pay nothing unless we recover money for you.
From waterfront homes along Scenic 98 to commercial properties in the heart of Destin, we help clients throughout:
Whether you own a luxury vacation rental, a Gulf-front condo, or a restaurant on the harbor, Allegiant has the local experience to document damage accurately and negotiate aggressively with your insurer.
Destin’s location on the Gulf Coast means homeowners and business owners face a wide range of risks. At Allegiant, we’re equipped to handle all types of residential and commercial property claims, including:
Hurricanes and tropical storms regularly batter the Panhandle. We handle claims for roof damage, missing shingles, torn siding, broken windows, and wind-driven water intrusion.
Whether it’s from a burst pipe or rising tide, water damage can cause long-term structural problems. We find hidden moisture and advocate for proper remediation.
Mold thrives in Destin’s humid climate. If mold growth results from covered water damage, we help fight for proper cleanup and restoration—even if your insurance tries to limit or exclude coverage.
Older roofs or storm-damaged structures can lead to leaks that insurers often mislabel as “wear and tear.” We push back with expert reports and code compliance documentation.
Even small fires can cause major damage. We account for structure loss, smoke damage, and water used to extinguish the flames.
We help business owners and homeowners recover for stolen property, broken windows, or malicious damage—backed by proper police and forensic reports.
Many Destin businesses rely on tourism. When storm damage or construction delays affect your income, we help you prove financial losses and fight for what your policy promises.
At Allegiant, we handle insurance claims at every stage:
Destin’s unique geography and climate pose specific challenges for insurance claims, including:
If your insurer downplays the cost of materials, overlooks coastal code requirements, or tries to blame storm damage on “maintenance issues,” Allegiant steps in with the facts—and the leverage—to push back.
You should consider hiring a public adjuster if:
Our clients include:
Florida’s insurance market has grown more volatile in recent years, with rising premiums and shrinking coverage. Insurers are under pressure—and often pass that pressure onto policyholders in the form of delays, denials, or underpayments.
At Allegiant Public Adjusters, we help Destin residents navigate complex policy language, document damage thoroughly, and negotiate confidently to achieve the best outcome possible.
Do I need a public adjuster for a small claim?
Even small claims can be mishandled. If the payout is too low to cover repairs—or if you’re unsure what’s covered—we can help. We offer free consultations.
How much does it cost to hire Allegiant?
We only get paid if you get paid. Our fee is a small percentage of your recovered settlement and comes from the claim—not out of your pocket.
Can you work with my contractor or restoration company?
Yes. We coordinate with your contractor to ensure estimates reflect true rebuilding costs and code upgrades.
Is it too late to get help if I’ve already filed a claim?
Not at all. We regularly step in after a claim is filed, especially when the initial offer is too low or the claim is denied. Florida law allows you to reopen claims under certain timelines.
Property damage can be devastating—but fighting for your rightful compensation shouldn’t be. Let Allegiant Public Adjusters handle the paperwork, negotiations, and inspections while you focus on rebuilding.
We serve Destin, Miramar Beach, Santa Rosa Beach, Fort Walton Beach, and all surrounding coastal communities.
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