How to Handle American Integrity Insurance Claims in Florida: Avoid Delays and Denials

Dealing with a damaged home is stressful enough—but filing an insurance claim with American Integrity in Florida can add even more frustration. While their policies are common across the state, many Florida homeowners find the claims process confusing, slow, or even unfair.

This article breaks down what your policy may cover, common challenges in Florida claims, key steps to follow, and when to bring in help—like from Louis Law Group—to protect your rights.

What’s Typically Covered by American Integrity Policies?

Understanding your policy is the first step toward a smooth claim. While individual policies vary, most standard American Integrity homeowners insurance in Florida includes:

• Wind and Hurricane Damage: Especially relevant during storm season.

• Water Damage: Covers sudden events like burst pipes—but usually excludes long-term leaks or mold.

• Fire and Smoke: Often fully covered, but subject to the specifics of the loss.

• Vandalism and Theft: Especially important for seasonal or vacant homes.

Always read your Declarations Page, and make note of any coverage limitations or high deductibles, especially the hurricane deductible (often 2–5% of your home’s value).

Need help breaking down your policy? Start with this helpful guide to understanding Florida homeowners insurance.

The Most Common Claim Problems in Florida

Filing an insurance claim can go wrong in a number of ways—especially when dealing with large insurers like American Integrity.

🚩 Underpaid Claims You might receive a payout that doesn’t even cover basic repairs. Unfortunately, this is one of the most common complaints among Florida homeowners.

🚩 Delays Beyond 90 Days By Florida law, insurers must pay or deny a claim within 90 days. But some companies drag their feet, giving vague responses or asking for endless documentation.

🚩 Outright Denials Claims may be denied due to “policy exclusions” or alleged “late reporting.” If your claim was denied for unclear reasons, it's time to look deeper.

Check out this article on how to handle a denied or disputed claim for legal strategies you can use right away.

Step-by-Step: How to File a Claim with American Integrity

If you're in the middle of damage recovery, follow these essential steps:

1. Take Photos and Videos Document all damage from multiple angles. The more visuals you can provide, the stronger your claim.

2. Prevent Further Damage Under Florida law, you must act to prevent additional loss. That means things like:

• Boarding up windows

• Tarping the roof

• Turning off water supply

• Save all receipts—these temporary repair costs are often reimbursable.

3. File the Claim ASAP You can submit a claim by:

• Calling 1-866-277-9871

• Visiting American Integrity’s Claims Center

Provide:

• Policy number

• Date and type of incident

• A summary of damage

• Supporting photos and receipts

4. Meet the Insurance Adjuster Be present during their visit. Point out all damage and take notes. Don’t be afraid to get your own estimates from independent contractors.

How to Protect Yourself Legally

Even when you’ve done everything right, your claim might still be delayed or underpaid. Here’s how to protect your legal rights:

Keep a Paper Trail: Always communicate via email when possible.

Get a Second Opinion: Independent adjusters may give you a more accurate damage estimate.

Know Your Deadlines: Florida’s statute of limitations gives you limited time to act.

Don’t Settle Too Soon: Insurers may pressure you to take a quick payout—don’t rush.

For more legal steps, read our blog on hurricane damage claims.

When to Contact an Insurance Lawyer

Sometimes, the claims process turns into a legal battle. That’s where the Louis Law Group can step in. We help Florida homeowners:

• Fight unfair denials

• Dispute lowball offers

• Speed up stalled claims

We know how to deal with insurance companies—and we don’t get paid unless you do. If your claim feels stuck or unfair, a free consultation with our team could change everything.

FAQs

Q: What documents should I prepare before filing a claim?

A: Gather your policy declarations page, photos/videos of the damage, receipts for emergency repairs, and a written timeline of events. These can help support your claim.

Q: What should I do if American Integrity requests repeated documentation?

A: Stay organized and respond in writing. If the requests feel excessive or repetitive, it may be a delay tactic—consider getting legal help.

Q: Can I switch insurance companies while I have an open claim?

A: Yes, you can switch providers, but your current claim must be resolved with American Integrity. A new insurer won't cover past damage.

Q: How can I track the progress of my claim?

A: Use American Integrity’s online claims portal or call their claims department. Keep a detailed log of who you speak to, dates, and what was discussed.

Q: What if a contractor says the insurer’s estimate is too low?

A: Get a written estimate from the contractor. This can serve as evidence to challenge the insurance company’s offer or support legal action.

Q: Does my insurance cover temporary housing during repairs?

A: It may—check for "Loss of Use" or "Additional Living Expenses (ALE)" coverage in your policy. This often includes hotel stays and meal reimbursements.

Final Thoughts

Handling an insurance claim with American Integrity in Florida can be straightforward—or extremely frustrating. The outcome often depends on how well you understand your policy, how quickly you act, and how well you document every step of the process. But even when you do everything right, delays, denials, or underpayments can still happen.

That’s when it’s time to seek backup.

Whether you're still waiting on a payout, struggling with a low offer, or unsure what to do next, the experienced team at Louis Law Group is here to help. Our legal team has helped countless Florida homeowners navigate the complex insurance landscape and recover the compensation they rightfully deserve.

Don’t wait until it’s too late—what’s your next move to protect your home and peace of mind?

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.