Hurricane damage blamed on age
After a named storm, roof and window damage may be attributed to deterioration. Storm-date wind data and physical evidence such as displaced shingles, broken seals and debris strikes help.
FrontlineClaim guide · independent
Florida public adjusters · Frontline claims
Frontline denied or underpaid your claim?
Frontline denied or underpaid your claim? Whether it is hurricane damage, a roof leak or a burst pipe, the next step is the same: get the decision and the estimate in writing, compare them with the policy and the damage, and act before Florida’s deadlines run.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by First Protective Insurance Company (Frontline Insurance). Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
About Frontline
First Protective Insurance Company, which does business as Frontline Insurance, is a residential property insurer based in Lake Mary, Florida, according to the Florida Office of Insurance Regulation’s examination report.
In OIR’s Q2 2026 market-share report, First Protective Insurance Company had 322,461 residential policies in force as of June 30, 2026, ranking 6th among Florida residential property insurers by policy count.
Why Frontline claims get denied or underpaid
Common reasons Florida carriers give when a claim is denied or reduced (general patterns, not Frontline’s internal policy):
Openings and rain intrusion
Many policies cover interior rain damage only if the wind first created an opening in the roof or walls. Documenting the opening is essential.
Ordinance or law
Repairs may trigger code upgrades. Ordinance or law coverage, if you have it, can pay for those costs, but it has to be claimed and supported.
Estimate pricing
Unit prices that don’t reflect post-storm local costs, and missing general-contractor overhead and profit, are common causes of a short check.
Supplemental damage found during repairs
Contractors often uncover more damage once work starts. Florida allows a supplemental claim within 18 months of the date of loss.
Tip: Photograph openings first
If rain came in, photograph the roof or wall opening it came through before tarping, plus the interior damage below it. That link is often what the claim turns on.
What to do after a Frontline 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 Frontline 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 →
Frontline claim FAQ
Is Frontline Insurance the same company as First Protective Insurance Company?
In Florida’s regulatory data, Frontline’s homeowners policies are reported under First Protective Insurance Company, which does business as Frontline Insurance. Your declarations page shows the exact insurer on your policy.
What if the carrier’s estimate is lower than the contractor’s?
Ask the carrier to explain the difference in writing. Florida law requires a written explanation when an insurer’s payment is less than its own detailed estimate (s. 627.70131(7)(a)). A public adjuster can prepare a line-by-line estimate to support the gap.
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 First Protective Insurance Company, Lake Mary, Florida (as of Dec. 31, 2023)
- 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 First Protective Insurance Company (Frontline Insurance). 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.