Sudden vs. gradual water loss
A failed supply line and a slow drip look different on paper. Plumber invoices, the failed part itself and moisture readings help show a sudden event.
American IntegrityClaim guide · independent
Florida public adjusters · American Integrity claims
American Integrity denied or underpaid your claim?
American Integrity denied your claim or sent a check that won’t cover the work? We review the denial letter or estimate against your policy and the damage, and tell you whether a supplement, a reopened claim, mediation or appraisal makes sense.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by American Integrity Insurance Company of Florida. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
About American Integrity
American Integrity Insurance Company of Florida is a Tampa-based residential property insurer. Its parent, American Integrity Insurance Group, Inc., completed an initial public offering in May 2025 and trades on the New York Stock Exchange under the symbol AII.
In the Florida Office of Insurance Regulation’s Q2 2026 market-share report, American Integrity had 418,976 residential policies in force as of June 30, 2026, ranking 5th among Florida residential property insurers by policy count.
Why American Integrity claims get denied or underpaid
What Florida homeowners most often report when a claim is denied or underpaid, with any carrier (general patterns, not American Integrity’s internal policy):
Tear-out and access costs left out
To fix a covered plumbing leak, walls, cabinets or tile often have to be opened. Whether tear-out is covered depends on the policy wording, and it is often underestimated.
Matching and uniform appearance
Replacing half a floor or one cabinet run can leave mismatched finishes. Florida law addresses matching for residential claims in s. 626.9744, Florida Statutes; how it applies depends on the facts.
Contents undervalued
Personal property lists are tedious, so they are often incomplete. Depreciation on contents and missing items can add up quickly.
Additional living expenses
If the home isn’t livable during repairs, loss-of-use coverage may pay extra housing and meal costs. Keep receipts and ask how the limit applies.
Tip: Keep the failed part
For plumbing and appliance leaks, keep the broken supply line, valve or fitting and photograph it in place. It is often the best evidence of a sudden, accidental discharge.
What to do after a American Integrity denial or low offer
- 1
Get the decision and the reasons in writing
Within 60 days after notice of an initial, reopened or supplemental claim, a Florida residential insurer must pay or deny it, or a portion of it, and give a reasonable written explanation of the basis in the policy. If it pays less than its own detailed estimate, it must explain the difference in writing (s. 627.70131(7)(a), Fla. Stat.).
- 2
Ask for the adjuster’s detailed estimate
The insurer must send you any detailed estimate within 7 days after its adjuster generates it (s. 627.70131(3)(e)). Compare it room by room with the damage.
- 3
Read the exact policy language cited
Look up the exclusion or condition named in the letter, plus your declarations page and endorsements: hurricane deductible, roof settlement terms, water damage limits.
- 4
Watch the Florida notice deadlines
Notice of a new or reopened claim is due within 1 year after the date of loss, and a supplemental claim within 18 months (s. 627.70132, as amended through 2024). For weather events, the date of loss is the landfall or NOAA-verified date. Lawsuit deadlines are separate.
- 5
Use the policy’s appraisal clause or DFS mediation
If the dispute is about the amount of loss and your policy has an appraisal clause, appraisal may apply. Florida’s DFS mediation program (s. 627.7015) is available for many residential disputes.
More on Florida claims: Florida public adjusters · Florida denied claim guide
Real results
Claims we’ve handled in Florida
Real claims our clients authorized us to share, with their exact numbers. Our case records don’t name the insurance company, so these are not presented as American Integrity claims.
HurricaneInitial payment $1,356.32$175,000final recoveryJessica & BryanBradenton, FloridaRead the case →HurricaneInitial payment $23,022.28$137,000final recoveryGregCape Coral, FloridaRead the case →WindstormInitial payment $6,932.11$80,000final recoveryRichardTampa, FloridaRead the case →Water damageInitial payment $3,492.20$85,000final recoveryArturoMiami, FloridaRead the case →
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
American Integrity claim FAQ
American Integrity denied my water claim as long-term seepage. Can that be challenged?
Sometimes. The question is what the evidence shows about when and how the water escaped. Plumbing reports, moisture mapping and the timeline can support a request for reconsideration. We’ll tell you honestly if the facts don’t support it.
How long does a Florida insurer have to pay or deny?
Under s. 627.70131(7)(a), Florida Statutes, within 60 days after receiving notice of an initial, reopened or supplemental claim, the insurer must pay or deny it (or a portion of it), unless factors beyond its control apply, and explain the basis in writing.
How long do I have to reopen or supplement a Florida property claim?
Under s. 627.70132, Florida Statutes, notice of a new or reopened claim must be given within 1 year after the date of loss, and notice of a supplemental claim within 18 months after the date of loss. For hurricanes and other weather events, the date of loss is the landfall date or the date NOAA verifies the event. Lawsuit deadlines are separate; ask a Florida-licensed attorney about those.
Can you guarantee the insurer will change its decision?
No. No one can honestly guarantee an outcome. We review the file, tell you what we see, and represent you if it makes sense to work together. Every claim is different, and prior results do not guarantee a similar outcome.
What does the review cost?
The claim review is free, and asking questions doesn’t hire us. If it makes sense to work together, the fee and services are explained in a written agreement before you sign.
General information, not legal advice. Policies and state laws differ, and laws change.
Sources
- American Integrity Insurance Group, press release: closing of initial public offering (May 2025)
- Florida Office of Insurance Regulation, Quarterly Market Intelligence Report: Statewide Commercial and Personal Summary by Company, Q2 2026 (policies in force as of June 30, 2026; data pulled Aug. 11, 2026)
- Section 627.70131, Florida Statutes (Insurer’s duty to acknowledge communications regarding claims; investigation)
- Section 627.70132, Florida Statutes (Notice of property insurance claim), as amended through ch. 2024-139
- Section 627.7015, Florida Statutes (Alternative procedure for resolution of disputed property insurance claims / DFS mediation)
Sources checked September 27, 2026.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by American Integrity Insurance Company of Florida. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
American Financial Claims is a licensed public adjusting firm, not a law firm. We do not provide legal advice. Office: Brickell Arch, 1395 Brickell Ave, Suite 800, Miami, FL 33131. Every insurance claim is different, and prior results do not guarantee a similar outcome.