Florida public adjusters · Claims by insurer
Florida home insurance claim denied or underpaid?
Florida homeowners file claims for hurricanes, tropical storms, wind-versus-water disputes, roof damage and plumbing leaks. When the insurer denies or underpays, Florida’s claim-handling statutes and your policy language set the ground rules.
American Financial Claims represents policyholders—not insurance companies. We review the policy, the damage and the carrier’s position before explaining whether a public adjuster can help.
- Free claim review. No fee to talk.
- Florida firm license G288962 (lead adjuster license W915694)
- We work for you, not the insurance company
Free claim review
Tell us what happened with your Florida claim
A licensed team member will contact you.
Disclaimer: American Financial Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Largest home insurers in Florida
Ranked by residential policies in force as of June 30, 2026 (company level, Florida OIR Quarterly Supplemental Report). Published by the state insurance regulator.
| # | Insurer | Share |
|---|---|---|
| 1 | State Farm Florida | 665,341 policies |
| 2 | Universal Property & Casualty | 579,398 policies |
| 3 | Slide | 485,271 policies |
| 4 | Tower Hill | 423,759 policies |
| 5 | American Integrity | 418,976 policies |
| 6 | Frontline (First Protective) | 322,461 policies |
| 7 | Citizens Property InsuranceSource rank #8 | 275,642 policies |
| 8 | Manatee Insurance ExchangeSource rank #9 | 223,983 policies |
| 9 | Florida PeninsulaSource rank #10 | 198,795 policies |
| 10 | Castle Key (Allstate)Source rank #11 | 179,048 policies |
| 11 | KinSource rank #12 | 169,957 policies |
| 12 | Security FirstSource rank #13 | 157,986 policies |
| 13 | USAASource rank #14 | 153,734 policies |
| 14 | Southern OakSource rank #15 | see OIR |
| 15 | HeritageSource rank #21 | see OIR |
| 16 | People's TrustSource rank #26 | see OIR |
Source: 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). American Bankers (7th by count) is omitted: its premium-per-policy profile points to specialty or limited coverage rather than full homeowners. Specialty and lender-placed writers are covered in the notes on /carriers. Each name links to its claim guide. Market share describes size only; it says nothing about how any claim was handled.
Don’t see your insurance company?
Don’t worry. We can most likely represent you with your Florida carrier too. Every claim is different, so we’ll tell you honestly after a free review.
Start my free claim reviewFlorida’s notice windows for new, reopened and supplemental claims (s. 627.70132) are separate from lawsuit deadlines. Ask a Florida-licensed attorney about legal deadlines.
Florida claim rules and what to do after a 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
Find the exclusion or condition the letter relies on, then read your declarations page and endorsements: deductibles, roof or cosmetic-damage terms, water damage limits and any matching or ordinance-or-law coverage.
- 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). 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
Real results
Claims we’ve handled in Florida
Recoveries clients authorized us to share. Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results → Our case records don’t name the insurance company, so these are not presented as claims against any insurer listed above.
Recoveries clients authorized us to share. Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
Florida insurance claim FAQ
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.
Is American Financial Claims licensed in Florida?
Yes. American Financial Claims holds a Florida firm license G288962 (lead adjuster license W915694). We represent policyholders only, never insurance companies, and we can inspect in person, by phone or by video.
My insurance company isn’t listed. Can you still help?
Yes. The list shows the largest home insurers by market share, not the only ones. Florida’s claim-handling rules apply to every insurer licensed in the state, and the review works the same way whoever wrote your policy.
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 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.
Get a second look at your Florida claim.
Free review. Phone, Zoom or in person. We’ll tell you honestly what we see.
Disclaimer: American Financial Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. 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. Florida firm license G288962 (lead adjuster license W915694). 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.