How to Contact American Integrity Claims in Miami: Phone Number, Process & Legal Help

Miami homeowners know that hurricane season isn’t just a date on the calendar—it’s a real and present threat. Whether it's flooding, wind damage, or roof leaks, having homeowners insurance through American Integrity Insurance gives peace of mind. But when damage happens, knowing exactly how to contact American Integrity and what to expect is crucial.

In this article, we cover:

• The right phone number to call in Miami

• The claim filing process explained simply

• Legal tips if your claim is denied or underpaid

• When Louis Law Group can help protect your rights

Let’s make your insurance claim journey smooth and stress-free.

American Integrity Claims Phone Number for Miami Homeowners

Call 1-866-277-9871 Online claim portal: https://www.aiiflorida.com/claims

This toll-free number connects you directly with American Integrity's claims department. It's available 24/7 for emergencies like hurricane damage, fire, or burst pipes.

When calling:

• Have your policy number ready

• Know the date and time of the incident

• Be prepared to describe what happened

• Upload photos/videos online when possible

More tips here: How to Prepare for a Homeowners Insurance Claim

How to File a Claim: A Step-by-Step Guide

✅ Step 1: Report the Damage Call the phone number above or use the online portal. Be specific and honest about what occurred.

✅ Step 2: Take Preventive Action Florida law requires you to mitigate further damage. For example, place a tarp over a leaking roof and document everything.

✅ Step 3: Adjuster Visits Your Property An adjuster will assess the loss. Keep all receipts and take photos before and after cleanup.

✅ Step 4: Review the Insurance Offer They will issue a report and offer a payout. Don’t rush to accept—compare it to local contractor estimates.

✅ Step 5: Dispute If Needed If the amount is too low, unclear, or denied unfairly, you have the right to reopen or appeal your claim.

Why Miami Homeowners Must Act Quickly

Miami, located in a high-risk hurricane zone, sees frequent water and wind-related claims. Florida law (Statute §627.70132) requires homeowners to file a claim within 1 year of discovering the damage for hurricane claims.

Delaying your claim can cause:

• Claim denials for “late reporting”

• Loss of proof as damage worsens

• Longer wait times for adjusters during peak season

Official guidelines: Florida Chief Financial Officer – Consumer Protections

Common American Integrity Claim Issues in Miami

Miami residents have reported several specific issues:

• Roof claims reduced due to “wear and tear” clauses

• Mold exclusions after water damage

• Low estimates compared to Miami contractor rates

• Delays in adjuster appointments during hurricane season

Related read: What to Do After Hurricane Damage in Florida

These issues can leave homeowners paying out of pocket for covered repairs. It’s critical to know your rights.

When to Contact Louis Law Group

If your insurance claim is:

• Delayed more than 2 weeks with no updates

• Denied without clear evidence or reasoning

• Underpaid and doesn’t cover all damage

You may need legal help. Louis Law Group helps Miami residents understand their policies, negotiate claims, and take legal action when necessary.

We’ve represented countless homeowners from Brickell to Little Haiti who felt stuck after filing a claim. If your insurer isn’t being fair, don’t wait—get guidance fast.

Schedule a Free Consultation

Frequently Asked Questions (FAQ)

Q: How long does it take to process an American Integrity claim in Miami?

Most claims are acknowledged within 14 days and resolved within 60 days, per Florida law.

Q: Can I hire my own contractor instead of using the one the insurer recommends?

Yes. You have the right to use your own licensed contractor, especially if their estimate is more accurate for local pricing.

Q: Is flood damage covered in my American Integrity policy?

Flood damage is not covered under standard homeowners insurance. You need separate flood insurance.

Q: I already accepted payment but found more damage—can I reopen my claim?

Yes, you can file a supplemental claim if new or hidden damage appears after repairs begin.

Q: What if my policy has exclusions I didn’t know about?

If an insurer didn’t explain exclusions properly at the time of purchase, legal options may be available.

Conclusion

Filing a claim with American Integrity Insurance as a Miami homeowner doesn’t have to be stressful. With the right phone number (1-866-277-9871), a good understanding of the claims process, and legal guidance when needed, you can ensure a fair outcome.

If your claim has hit a wall, Louis Law Group is here to help. From Coral Gables to North Miami Beach, we protect the rights of property owners facing denied or delayed claims.

Do you know what to do if your next claim doesn’t go as planned?

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.