Measurements and quantities
Short roof squares, missed wall square footage and forgotten ceilings reduce an estimate quietly. A second set of measurements often finds the gap.
Florida PeninsulaClaim guide · independent
Florida public adjusters · Florida Peninsula claims
Florida Peninsula denied or underpaid your claim?
Florida Peninsula denied your claim, or its estimate is thousands below your contractor’s? We look at what the adjuster measured, what was left out and what your policy actually says, then tell you plainly whether there is a path to more.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Florida Peninsula Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
About Florida Peninsula
Florida Peninsula Insurance Company is a residential property insurer based in Boca Raton, Florida, according to the Florida Office of Insurance Regulation’s examination report. Edison Insurance Company is an affiliated Florida insurer.
In OIR’s Q2 2026 market-share report, Florida Peninsula had 198,795 residential policies in force as of June 30, 2026, ranking 10th among Florida residential property insurers by policy count. Edison Insurance Company reported 146,297.
Why Florida Peninsula claims get denied or underpaid
Common reasons Florida carriers cite when they deny or reduce a claim (general patterns, not Florida Peninsula’s internal policy):
Repair methods priced too cheaply
Estimates sometimes assume a patch where the material can’t be patched, or skip steps like priming, detach-and-reset and cleanup.
Water damage coverage limits
Some Florida policies limit non-weather water damage unless you purchased extra coverage. Check the water damage endorsement and your declarations page.
Hidden damage
Damage behind walls, under flooring or in the attic may not be visible at the first inspection. Moisture readings and infrared imaging can document it.
Recoverable depreciation never claimed
Under replacement cost coverage, withheld depreciation may be recoverable once repairs are completed and documented within the time the policy allows. Many homeowners never ask for it.
Tip: Ask for the recoverable depreciation
If your estimate shows depreciation and your policy is replacement cost, find out how and when to claim it. Keep invoices and photos of the completed work.
What to do after a Florida Peninsula 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 Florida Peninsula 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 →
Florida Peninsula claim FAQ
Are Florida Peninsula and Edison the same insurer?
They are separate, affiliated Florida insurance companies. Your declarations page shows which company issued your policy, and your claim is handled under that policy.
Can I use appraisal if we only disagree about the amount?
If your policy has an appraisal clause and the dispute is about the amount of loss, not coverage, either side may be able to invoke it. Each side picks an appraiser and an umpire decides items they can’t agree on. Read the clause for its exact steps.
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 Florida Peninsula 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 Florida Peninsula 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.