How to Use the American Integrity Insurance Claims Portal in Miami and What to Do If It Fails You

In Miami, Florida, where hurricanes and tropical storms are a regular threat, having the right homeowners insurance is essential. American Integrity Insurance is one of the top providers in the state, offering online tools to help policyholders file and manage claims after a disaster.

But even with technology like their claims portal, many homeowners still struggle with the claims process—especially after serious damage.

In this guide, we’ll explain how to use the American Integrity Insurance claims portal, outline common issues faced by Miami homeowners, and share what to do if your claim is unfairly denied or delayed.

Why American Integrity Insurance Matters in Miami

American Integrity specializes in policies for Florida’s unique environment, and Miami homes—especially near the coast—face specific risks such as:

• Windstorm and hurricane damage

• Flooding and water intrusion

• Roof failures from storm debris

• Mold from high humidity or plumbing leaks

Their homeowners policies typically cover structural damage, personal property, and temporary living expenses. But the scope of your protection depends on your individual policy.

🏠 Pro Tip: Read your declarations page to understand what your deductible is for hurricane-related claims.

📖 For help decoding your coverage: How to Read Your Florida Homeowners Insurance Policy

Using the Claims Portal: Step-by-Step

The American Integrity Insurance claims portal allows Miami residents to file claims online, track updates, and upload supporting documents—all without needing to call customer service.

To get started:

1. Visit https://www.aiicfl.com

2. Click “Customer Center” → “Claims Center”

3. Log in with your policy number, email, and ZIP code

4. If you're a new user, follow the prompts to create an account

To file a claim:

• Click “Report a Claim”

• Enter the date of the incident

• Describe what happened

• Upload photos, videos, and receipts

• Submit and save your confirmation number

📂 You’ll be assigned an adjuster, and you can use the portal to message them directly or submit additional documents.

Common Pitfalls in the Claims Process (Miami-specific)

Even though the portal is convenient, many Miami policyholders face common setbacks during the process:

• Delays after a major storm: Claims may take longer during hurricane season due to backlog

• Low settlement offers: Contractors in Miami often charge more than what insurers estimate

• Claims denied as "pre-existing damage": Especially common with roofing or plumbing issues

• Lack of clear communication from adjusters

🏚️ Tip: Don’t wait for the insurer to follow up. Use the portal to message them, upload new photos, and push the process forward.

📚 More on what to expect: What to Do When Insurance Adjusters Undervalue Damage

How to Avoid Delays and Denials

A successful claim starts with a strong submission. Here's how Miami homeowners can boost their chances:

✅ Before a Storm:

• Photograph your home inside and out

• Store copies of receipts and warranties

• Save your insurance policy documents offline

✅ After Damage Occurs:

• Take new photos immediately

• Don’t throw away damaged items until you’ve documented them

• Get your own contractor estimates

• File your claim within 24–72 hours

• Keep notes on every phone call or email with your insurer

📖 For a deeper guide: Checklist for Filing Property Damage Claims in Florida

What to Do If American Integrity Denies or Delays Your Claim

If your claim is denied or significantly underpaid, you still have rights.

Step 1: Request a Written Explanation

• Florida law requires insurers to explain claim decisions clearly.

Step 2: File a Complaint with the State

• If you believe the insurer acted in bad faith, report it to the Florida Department of Financial Services: 🔗 https://www.myfloridacfo.com/division/consumers

Step 3: Get Legal Help

• A legal team can negotiate with American Integrity on your behalf or file suit if necessary. Many attorneys work on a contingency basis—meaning you pay nothing unless you win.

How Louis Law Group Supports Miami Homeowners

If you’re stuck in a frustrating claims situation, Louis Law Group can help. Our experienced attorneys serve homeowners throughout Miami-Dade County, including Coconut Grove, Little Havana, and Coral Gables.

We help by:

• Reviewing your American Integrity policy

• Gathering expert documentation to support your claim

• Negotiating with adjusters

• Filing lawsuits when claims are wrongfully denied or delayed

🏛️ Learn more: How We Handle Insurance Claim Disputes in Florida

FAQs About the American Integrity Claims Portal in Miami

Can I file a claim without using the portal? Yes, you can also call their claims hotline. But the portal is faster and allows better record-keeping.

Does the portal allow me to upload contractor estimates? Absolutely. Uploading multiple estimates can support your case for a higher settlement.

What if I lost access to my email or login info? You can reset your credentials through the login page or call customer service for help.

Can I file a second claim if additional damage appears later? Yes, but it must relate to the same event and be reported quickly. Delays can lead to denial.

Will filing a claim impact my future premiums? It can. Insurers consider your claims history when setting future rates or renewal terms.

Conclusion

Miami homeowners rely on insurance companies like American Integrity to help them recover after damage. But filing a claim is not always as simple as logging in and clicking submit. Technical issues, communication breakdowns, and low offers are all too common.

By knowing how to properly use the claims portal, staying organized, and getting professional support when needed, you can protect your investment and peace of mind. If your claim is being mishandled, Louis Law Group is here to guide Miami residents through the next steps.

Is your claim stuck in the system—or moving toward a fair resolution in Miami?

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.