Roof settlement terms
Many Florida policies pay older roofs on an actual cash value basis or use a roof payment schedule. Check your declarations and endorsements before you accept a roof figure.
EdisonClaim guide · independent
Florida public adjusters · Edison claims
Edison denied or underpaid your claim?
Edison denied your claim or offered far less than your contractor’s number? A licensed public adjuster can inspect the damage, rebuild the estimate line by line and present the claim for you. The first review is free and there is no obligation.
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- Florida firm license G288962 (lead adjuster license W915694)
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Edison Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
About Edison
Edison Insurance Company is a Florida property insurer headquartered in Boca Raton. It was incorporated on March 9, 2005 and is a wholly owned subsidiary of Florida Peninsula Insurance Company, according to the Florida Office of Insurance Regulation’s examination report.
In the Florida Office of Insurance Regulation’s Q2 2026 market-share report, Edison had 146,297 residential policies in force as of June 30, 2026, ranking 16th among Florida residential property insurers by policy count.
Because Edison and Florida Peninsula are affiliated, some homeowners see both names on letters or claim portals. Your rights come from the Edison policy you hold and Florida law.
Why Edison claims get denied or underpaid
General reasons Florida homeowners report for denied or short-paid claims, with any carrier (not a description of Edison’s internal rules):
Wind vs. water intrusion
Interior water after a storm is often disputed unless the file shows how the water got in. Document the opening, the path and the timing with photos taken before cleanup.
Scope that stops at the stain
Estimates sometimes price only the visibly damaged area. Moisture readings, removal of wet materials and matching of adjoining finishes often belong in the scope too.
Code upgrades not included
Repairs may have to meet today’s building code. Ordinance or law coverage, if your policy has it, can pay for required upgrades; check the limit on your declarations page.
Late-reported damage
Florida’s 1-year notice deadline for new and reopened claims is strict. Report as soon as you notice damage, even if you’re not sure of the full extent yet.
Tip: Get the insurer’s estimate within 7 days
Under s. 627.70131(3)(e), Florida Statutes, the insurer must send you any detailed estimate within 7 days after its adjuster generates it. Ask for it in writing and compare it line by line with the damage.
What to do after a Edison 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 Edison 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 →
Edison claim FAQ
Is Edison the same company as Florida Peninsula?
They are separate insurers. According to OIR’s examination report, Edison Insurance Company is a wholly owned subsidiary of Florida Peninsula Insurance Company. The company named on your declarations page is the one that owes you the policy’s coverage.
Can I request mediation?
Florida’s Department of Financial Services runs a mediation program for disputed residential property claims under s. 627.7015, Florida Statutes. Eligibility rules apply, and the statute requires insurers to tell claimants about the program when a covered claim is filed.
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
- Florida OIR, Report on Examination of Edison Insurance Company, Boca Raton, Florida (as of Dec. 31, 2022)
- 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 Edison Insurance Company. 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.