ASI Select Insurance Corp Claims Phone Number & How to File a Claim in Florida

When your Florida home suffers damage from a hurricane, tropical storm, or water event, the last thing you want is a fight with your insurance company. If you are insured by ASI Select Insurance Corp, you can report a claim by calling 1-866-274-5677. Unfortunately, many ASI Select policyholders find that reporting the claim is the easy part. The real challenge comes when the carrier denies your claim, offers a settlement that barely covers a fraction of your repair costs, or drags the process out for months. If you are facing any of these situations, you have options — and Florida law is on your side.

Louis Law Group represents Florida homeowners who have been unfairly treated by insurance companies like ASI Select Insurance Corp. This article explains why claims get denied, what legal protections apply to you, and the specific actions you can take to fight for the compensation you are owed.

Why ASI Select Insurance Corp Denies or Underpays Property Claims

ASI Select Insurance Corp is part of the ASI family of companies that underwrites homeowner policies throughout Florida. Despite operating in a state known for severe weather, ASI Select often makes it difficult for policyholders to collect on legitimate claims. Here are the most common tactics:

• Attributing damage to wear and tear: ASI Select adjusters frequently claim that the damage to your property resulted from long-term deterioration rather than a sudden, covered event. This is especially common with roof claims, where the carrier may point to the roof's age as justification for denial.
• Producing artificially low repair estimates: The carrier's adjusters often generate estimates using pricing that does not reflect the actual cost of materials and labor in the Florida market. Critical line items — such as code upgrades, debris removal, or overhead and profit — may be omitted entirely.
• Applying cosmetic damage exclusions: Many ASI Select policies include exclusions for cosmetic damage. The carrier may use this language to deny coverage for functional damage to your roof or exterior, claiming the impact marks or dents are merely cosmetic.
• Unreasonable delays in processing: Slow claims handling is a hallmark of carriers trying to pressure policyholders into accepting less. ASI Select may take weeks to schedule an inspection, months to issue a decision, or repeatedly ask for documentation you have already provided.
• Disputing causation: ASI Select may hire engineers or forensic experts who conclude that your damage was caused by something other than the covered peril — even when the timing and circumstances clearly point to wind, hail, or another covered event.
• Undervaluing personal property losses: When the contents of your home are damaged, ASI Select may apply excessive depreciation or challenge the replacement cost of your belongings, resulting in a payout that does not allow you to replace what was lost.

Your Rights Under Florida Law

Florida law provides significant protections for policyholders dealing with carriers like ASI Select Insurance Corp. Knowing your rights is essential to holding the carrier accountable:

• Bad faith claims (Florida Statute 624.155): If ASI Select Insurance Corp fails to handle your claim in good faith — whether by denying a valid claim, delaying payment unreasonably, or failing to conduct a proper investigation — you may file a civil remedy notice. This is a prerequisite to filing a bad faith lawsuit, which can result in damages beyond your policy limits, including attorney's fees and consequential damages.
• Claims handling timelines (Florida Statute 627.70131): Florida law mandates strict deadlines for insurance companies. ASI Select must acknowledge your claim within 14 days of receiving notice and must make a determination to pay or deny the claim within 90 days after receiving proof of loss. Violations of these timelines are taken seriously by Florida courts.
• Appraisal clause: Your ASI Select policy likely includes a right to appraisal. If the dispute is over how much your damage is worth — rather than whether it is covered — you or the carrier can invoke this clause. The appraisal process uses two independent appraisers and a neutral umpire to determine the fair value of the loss.
• Three-year statute of limitations: You have three years from the date of loss to file a breach of contract lawsuit against ASI Select Insurance Corp in Florida. While this gives you time, it is always better to act sooner. Delayed claims become harder to prove as evidence deteriorates and memories fade.

How to Fight Back Against ASI Select Insurance Corp

If ASI Select Insurance Corp has denied your claim or offered you an unfair settlement, these are the steps you should take immediately:

• Document every aspect of your damage: Take detailed photos and videos of all damage throughout your property. Include timestamps and capture both the big picture and close-up details of affected areas. Save receipts for any emergency repairs and temporary living expenses.
• Obtain your own repair estimate: Hire a licensed public adjuster or independent contractor to inspect your property and produce a comprehensive, itemized estimate. This gives you leverage when challenging ASI Select's low offer.
• Study your insurance policy: Carefully read your ASI Select Insurance Corp policy to understand your coverages, limits, deductibles, and exclusions. The specific policy language controls what the carrier owes you, and understanding it helps you spot when the carrier is misinterpreting it.
• File a regulatory complaint: You can file a complaint with the Florida Department of Financial Services if you believe ASI Select is not handling your claim according to Florida law. This puts the carrier on notice and creates a paper trail.
• Never accept a lowball offer under pressure: ASI Select may try to close your claim quickly with a minimal payment. Take your time, get your own estimates, and do not sign any release until you are confident the amount covers your actual losses.
• Demand appraisal when appropriate: If coverage is not in dispute but the amount is, invoking the appraisal clause can often result in a significant increase over the carrier's initial offer without the need for full litigation.
• Consult a property insurance attorney: An experienced Florida property insurance lawyer can evaluate your claim, identify bad faith conduct, and take legal action against ASI Select on your behalf. At Louis Law Group, we handle these cases on contingency — you pay nothing unless we recover money for you.

What Louis Law Group Can Do For You

Louis Law Group is a Florida law firm that specializes in property insurance disputes. We have extensive experience handling claims against ASI Select Insurance Corp and understand the specific policy forms, exclusions, and tactics this carrier uses.

When you work with us, we handle everything — from reviewing your policy and gathering evidence to negotiating with ASI Select's claims team and litigating your case if the carrier will not pay what it owes. Our attorneys have the knowledge and tenacity to push back against unfair denials and low settlements. We work on a contingency fee basis, meaning there is no cost to you unless we win.

Your insurance policy is a contract, and ASI Select is required to honor it. If they have not, we will hold them accountable.

If ASI Select Insurance Corp denied or underpaid your property damage claim in Florida, Louis Law Group is ready to fight for you. Contact us today for a free, no-obligation case review.