American Integrity Insurance Claims Phone Number in Miami: A Homeowner's Guide

Homeownership in Miami, Florida, comes with its perks — ocean views, vibrant culture, and sunny weather. But with paradise also comes the risk of hurricanes, tropical storms, and water damage. If you're covered by American Integrity Insurance, knowing how to file a claim quickly and correctly can protect your investment and peace of mind.

This article provides the claims contact numbers, a clear claims filing process, and resources — plus how Louis Law Group can help if your claim gets denied or underpaid.

Miami Claims Contact Numbers for American Integrity Insurance

For Miami-Dade County residents, here are the main lines to contact American Integrity Insurance:

• 24/7 Claims Hotline: 📞 1-866-277-9871

• Storm-Related Claims: 📞 1-844-MYAIIC1 (1-844-692-4421)

• Customer Service: 📞 1-866-968-8390

• Text Message Help: Text “SUPPORT” to 813-706-3348

• Online Filing: https://www.aiicfl.com/manage-claims

Pro Tip: Save the claims number in your phone before hurricane season starts.

Filing Your Claim in Miami: Step-by-Step Breakdown

Step 1: Take Immediate Action

• Photograph and video all damage, inside and out.

• Create a written list of damaged items or affected areas.

• Secure the property to prevent additional damage (e.g., board windows or tarp the roof).

Step 2: Contact American Integrity Insurance

• Use the claims hotline (1-866-277-9871) or the online portal.

• Share your policy number, incident details, and contact info.

Step 3: Cooperate with the Adjuster

• An adjuster will contact you to inspect the property.

• Provide all your documentation, receipts, and photos.

• Be available during inspection if possible.

Step 4: Evaluate the Settlement

• If the estimate seems low, don’t rush to sign.

• Seek a second opinion or a legal review of your policy and the damage report.

If you're unsure whether your offer is fair, visit Louis Law Group’s guide on underpaid claims.

Common Miami-Specific Claims Issues

Miami’s coastal and urban conditions pose specific insurance risks:

• Roof Uplift and Soffit Damage during high winds

• Flood-Related Losses not covered under standard policies

• Sewer Backup during heavy rainfall

• Debris Impact from flying objects during hurricanes

For local preparedness tips, visit Miami-Dade Emergency Management.

How Louis Law Group Helps Policyholders in Miami

Filing a claim is one thing — winning a fair payout is another. At Louis Law Group, we help Miami homeowners when:

• Claims are denied, delayed, or underpaid

• Your adjuster overlooks significant damages

• You feel pressured to settle for less than you deserve

We serve all of Miami-Dade County, including Coral Gables, Little Havana, and Downtown. With our knowledge of Florida insurance laws and local building codes, we level the playing field for you.

You can explore our legal resources here: 👉 https://www.louislawgroup.com/resources

FAQs

Q: Can I get reimbursed for staying in a hotel during repairs?

Yes — many policies include Loss of Use coverage, which reimburses you for temporary housing, food, and extra transportation expenses. Check your declarations page or contact your insurer.

Q: What if my neighbor’s tree fell on my house?

Typically, your policy covers damage to your home regardless of who owns the tree — unless you can prove negligence on their part. Document everything and file a claim promptly.

Q: My claim was closed, but I found more damage. What now?

You can reopen your claim. If additional damage becomes apparent, especially behind walls or under flooring, notify your insurer in writing and request a supplemental inspection.

Q: What if the contractor’s repair estimate is higher than the insurance payout?

You have the right to submit the contractor's estimate for review. It may lead to a revised payout. You can also challenge the original assessment with an attorney’s help.

Q: I already started repairs. Will that hurt my claim?

Not necessarily — just make sure you document pre-repair damage, keep receipts, and notify your insurer before starting major work. Emergency repairs should always be documented.

Conclusion

Dealing with property damage is stressful — but filing a claim with American Integrity Insurance in Miami doesn’t have to be. With the right documentation, clear communication, and legal guidance when necessary, you can confidently navigate the process and protect your biggest investment.

Louis Law Group is proud to support homeowners throughout Miami-Dade County, helping them understand their rights and recover faster from life’s unexpected turns.

Are you confident your current insurance policy truly covers what matters most?

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.