How to Successfully Handle American Integrity Insurance Claims in North Miami

If your home or property has been damaged in North Miami, dealing with the aftermath can feel overwhelming. Insurance is supposed to provide peace of mind—but when you're insured by American Integrity Insurance, the claims process might not always go as smoothly as you'd expect.

In this guide, we'll walk you through the entire process of filing a claim, resolving disputes, and knowing when to seek legal help. Whether your claim is delayed, denied, or underpaid, you’ll find the answers here.

What Does American Integrity Insurance Typically Cover?

Before filing a claim, it's essential to understand what is (and isn’t) covered. American Integrity policies often include protection for:

• Storm or hurricane damage

• Fire and smoke

• Sudden water damage

• Theft and vandalism

However, flood damage, mold, and gradual wear and tear are typically excluded unless added through endorsements.

Your Step-by-Step Guide to Filing a Claim

Take Photos and Videos Immediately

• Document everything before you clean up. Take wide shots and close-ups.

Prevent Further Damage

• Take temporary action (like boarding windows or stopping leaks) to limit additional damage. Save receipts for reimbursement.

Contact American Integrity Insurance

• File your claim online or by calling their 24/7 claims number: 1-866-277-9871.

Cooperate With the Insurance Adjuster

• Be present during inspections. Point out damage that may not be obvious, like structural or roof issues.

Review the Settlement Offer

• Compare the insurer’s offer to professional repair estimates. If there’s a large gap, you may need to contest the offer.

Common Issues With Claims (And What You Can Do)

Claim Delays Florida law requires insurers to respond within 14 days and settle within 90 days. If they don’t, that’s a red flag.

Low Settlement Offers If your offer doesn’t reflect the real cost of repairs, you can dispute it. Start by getting independent contractor estimates.

Claim Denials Don’t accept "no" as the final word. Insurers sometimes wrongly deny claims due to policy misinterpretations or incomplete investigations.

If you’ve been underpaid or denied, learn what to do next in this blog on denied claims.

Using Your Own Contractors

You're not required to use American Integrity’s preferred vendors. Choosing your own contractor gives you:

• Better quality control

• Transparency in pricing

• Detailed documentation of repairs

Read about contractor rights in our contractor selection guide.

How Louis Law Group Can Help

Sometimes, you need more than a claim number—you need an advocate. Louis Law Group helps North Miami homeowners with:

• Policy interpretation

• Claim disputes and negotiations

• Litigation when insurers don’t pay fairly

We’ve helped countless Floridians secure the compensation they deserve after damage events. If you’re tired of delays and runarounds, our legal team can step in.

FAQs About American Integrity Insurance Claims in North Miami

Q: Can I file a claim for damage that happened months ago?

A: Yes, but Florida law gives you one year to report most hurricane or storm-related damage.

Q: Does my policy cover flood damage from heavy rain?

A: Not usually. Flood coverage is typically excluded unless you have a separate flood policy.

Q: What happens if my claim is still "under review" after 90 days?

A: Florida requires insurers to resolve claims within 90 days. If they don’t, they may be in violation of the law.

Q: Can I reopen a claim if I find new damage later?

A: Yes. You can request the claim be reopened if the new damage is related to the original event.

Q: Will hiring a lawyer slow down the process?

A: No. In fact, having legal representation can speed things up, especially if the insurer is stalling or not communicating.

Final Thoughts

Your insurance policy is supposed to protect your property and your peace of mind. But when your claim is mishandled, delayed, or denied, it helps to have a team that understands the system.

Louis Law Group is committed to helping homeowners in North Miami get the fair settlements they deserve from American Integrity Insurance and other providers. Don’t settle for less—know your rights, take action, and get the guidance you need.

Is your insurance claim stuck—and are you ready to finally move forward with confidence?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.