American Integrity Phone Guide – Delray Beach Florida

Read time: 12 min read

Introduction: Why Delray Beach Homeowners Need This Guide

The Atlantic Ocean is only a few miles east of downtown Delray Beach, Florida, and that proximity brings both beauty and risk. Tropical storms, hurricanes, king-tide flooding, and sudden windstorms frequently damage single-family homes, condos, and townhouses throughout Palm Beach County. Because American Integrity Insurance Company of Florida markets itself as a homeowner-focused carrier for coastal communities, many Delray Beach residents place their trust—and their largest asset—in American Integrity’s hands.

Yet every storm season Louis Law Group hears from clients who received a claims denial letter or an unexplained underpayment from American Integrity. If you are searching online for the American Integrity insurance phone number, chances are you need answers fast. This 2,500-plus-word guide explains:

• The most reliable phone numbers and contact channels for American Integrity when you live in Delray Beach.

• Your rights under Florida’s insurance statutes and regulations.

• The most common reasons American Integrity denies or limits claims—and how to respond.

• The Florida Department of Financial Services (DFS) complaint and mediation options.

• When to involve a licensed Florida attorney to protect your interests.

This article slightly favors the policyholder, but every statement is tied to an authoritative source such as the Florida Statutes, Florida Administrative Code, or published court opinions. Use it as a roadmap—not individualized legal advice—while you decide your next steps after an American Integrity claim denial.

Understanding Your Rights in Florida

Key Statutes That Protect Homeowners

Florida’s legislature has enacted several consumer-oriented laws that apply whenever an insurer delays or denies payment:

• Fla. Stat. § 627.70131—Requires insurers to acknowledge and respond to communications within 14 calendar days and to pay or deny a claim within 90 days, absent factors beyond the insurer’s control.

• Fla. Stat. § 624.155—Creates a civil remedy when an insurer “does not attempt in good faith to settle claims when, under all the circumstances, it could and should have done so.” A pre-suit notice filed with DFS is mandatory before litigation.

• Fla. Stat. § 626.9541(1)(i)—Defines unfair claim settlement practices, including misrepresenting policy provisions and failing to conduct a reasonable investigation.

When American Integrity issues a denial, it must cite policy language and facts supporting its decision. If the carrier fails to comply with any of the statutes above, you can raise those violations in a DFS complaint or a lawsuit for bad-faith damages.

Statute of Limitations

For property insurance disputes arising from events on or after July 1, 2021, Florida law generally sets a two-year statute of limitations to file suit (Fla. Stat. § 95.11(10)). Hurricane claims may have unique notice requirements, but if you wait longer than two years to sue American Integrity, a court will likely dismiss the case.

Common Reasons American Integrity Denies Claims

1. Late Notice of Loss

American Integrity policies often require “prompt” notice. After Hurricane Ian (2022), Florida courts enforced policy provisions that barred coverage when notice arrived years later (American Integrity Ins. Co. v. Estrada, Fla. 3d DCA 2021). Always document the date you first discovered damage and report within 48–72 hours when possible.

2. Alleged Wear and Tear

Florida policies exclude damage caused solely by deterioration. In salt-air environments like Delray Beach, roof fasteners can corrode quickly. Insurers may blame water intrusion on age rather than wind. Independent engineering reports and weather-data printouts from NOAA can rebut these findings.

3. Water Damage Exclusions

A standard HO-3 policy may cover sudden pipe bursts but exclude repeated seepage over 14 days. Review your policy’s Fungi, Wet or Dry Rot, or Bacteria Exclusion endorsement—American Integrity frequently relies on it to limit payment.

4. Failure to Mitigate

Under Fla. Stat. § 627.7011(2), homeowners must take reasonable steps to protect property from further damage. Keep receipts for tarps or emergency dry-out services to avoid this denial basis.

5. Disputed Scope or Pricing

Even when liability is accepted, American Integrity may approve only a partial repair or use Xactimate pricing that underestimates Delray Beach labor rates. This is effectively an underpayment—a “constructive denial.”

Florida Legal Protections & Regulations

The Homeowner Claims Bill of Rights

Insurers writing residential property coverage in Florida must include a one-page “Homeowner Claims Bill of Rights” when they acknowledge a claim. This document recites deadlines and explains the DFS mediation program (Florida CFO – Homeowner Claims Bill of Rights).

Prompt Payment Requirement

Under § 627.70131(5)(a), once American Integrity receives a properly executed Proof of Loss and agrees to pay, the company must issue payment within 20 days. Delays expose the insurer to interest at the statutory rate set by the Chief Financial Officer.

Mandatory Appraisal Clause

Many American Integrity policies include binding appraisal to resolve scope or pricing disputes. While appraisal can be faster than litigation, Florida courts have held that appraisal awards are not pre-conditions to filing a bad-faith suit (Gorka v. State Farm, 36 So. 3d comp. Fla. 2010). Evaluate whether appraisal or litigation better fits your timeline.

Assignment of Benefits (AOB) Reform

Florida’s 2023 AOB reforms under Senate Bill 2-A limit contractors’ ability to take over claims rights. If American Integrity denies your claim and you have already signed an AOB, consult an attorney immediately to confirm you still have standing to sue.

Steps to Take After a Denial

Read the Denial Letter Carefully Note the specific policy provisions American Integrity cites and the factual basis for denial. Highlight any vague language such as “wear and tear” without supporting inspection photos. Request the Complete Claim File Florida’s Public Records Act does not apply to private insurers, but you can still demand copies of adjuster notes, third-party reports, and photographs. Courts routinely compel production during litigation. Gather Independent Evidence Hire a licensed public adjuster or an engineer experienced in South Florida wind and water claims. In Delray Beach, obtain historical wind data from the National Hurricane Center to correlate gusts with roof damage. File a DFS Consumer Complaint The Florida Department of Financial Services, Division of Consumer Services, accepts online complaints through its “Get Insurance Help” portal. Provide the claim number, dates of loss, and denial letter. DFS will assign an analyst who contacts American Integrity for a written response. Although DFS cannot order payment, a well-documented complaint often prompts reconsideration. Consider Mediation or Appraisal For residential property claims under $100,000, you may request free DFS-sponsored mediation once per claim (Fla. Admin. Code R. 69J-166.031). Both parties select a mutually agreed mediator, and American Integrity pays the fee. A signed settlement is binding. Send a Civil Remedy Notice (CRN) If you believe the carrier violated § 624.155 or § 626.9541, your attorney can file a CRN through DFS. American Integrity then has 60 days to cure the alleged bad faith by paying the claim plus interest. File Suit Within Two Years Should American Integrity refuse to cure, litigation in Palm Beach County Circuit Court (15th Judicial Circuit) may be necessary. Preserve all emails, pictures, and receipts; Florida’s new discovery rules require early document exchanges.

When to Seek Legal Help in Florida

Signs You Need a Florida Attorney Now

• American Integrity accuses you of fraud or misrepresentation.

• The carrier demands an Examination Under Oath (EUO) and requests voluminous personal records.

• Your repair estimate exceeds $75,000, triggering complex coverage questions.

• You missed the two-year deadline for filing suit and need advice on tolling or equitable estoppel.

Attorney Licensing & Fees

Florida lawyers handling first-party property cases must hold an active license issued by the Florida Bar and may not split fees with public adjusters. Under Fla. Stat. § 627.428 (repealed for policies issued after 2023, but still applicable to older policies), insurers could be required to pay the homeowner’s reasonable attorney’s fees if the homeowner obtains a judgment in excess of any pre-suit offer.

Local Resources & Next Steps for Delray Beach Residents

American Integrity Contact Information

• Claims Reporting 24/7: 1-866-277-9871

• Customer Service: 1-866-968-8390 (Mon–Fri 8 a.m.–6 p.m. ET)

• Mailing Address: P.O. Box 89348, Tampa, FL 33689-0400

Government & Community Resources

Palm Beach County Division of Emergency Management—Storm preparation guides and post-disaster permit waivers. Florida Office of Insurance Regulation—Market conduct reports and financial strength ratings for American Integrity. Florida DFS Consumer Services—Complaint, mediation, and arbitration programs.

Checklist Before Calling Louis Law Group

• Locate your complete policy, including endorsements.

• Organize photographs (before-and-after if possible) showing damage.

• Compile receipts for mitigation expenses and alternative living costs.

• Prepare a timeline of all communications with American Integrity.

• Write down any questions about deductible amounts, ordinance-and-law coverage, or appraisal clauses.

Legal Disclaimer: This guide is for informational purposes only and does not constitute legal advice. Laws change, and their application to your situation may vary. Consult a licensed Florida attorney regarding your specific facts.

If American Integrity denied your claim, call Louis Law Group at 833-657-4812 for a free case evaluation and policy review.