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Florida public adjusters · Heritage claims
Heritage denied your home claim or paid well below the repair cost? We review the decision against the policy you had on the date of loss, inspect the damage in person and tell you for free whether there is a realistic path to more.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Heritage Property & Casualty Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Heritage Property & Casualty Insurance Company is a Tampa-based insurer incorporated on August 2, 2012. Its ultimate parent is Heritage Insurance Holdings, Inc., a publicly traded holding 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, Heritage had 111,406 residential policies in force as of June 30, 2026, ranking 21st among Florida residential property insurers by policy count. That total includes 2,818 commercial residential policies.
General reasons Florida homeowners report for denied or short-paid claims, with any carrier (not a description of Heritage’s internal rules):
Disputes often turn on how much of the roof is damaged and whether a repair can meet code. Under s. 553.844(5), Florida Statutes, the 25% rule works differently for roofs built or replaced under the 2007 Florida Building Code or later.
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.
Florida hurricane deductibles are often a percentage of the dwelling limit. Make sure every damaged item is in the estimate, including fences, screens, soffits and interior finishes, before judging whether the loss clears it.
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.
Damaged furniture, flooring, appliances and personal property are easy to undercount. A room-by-room inventory with photos, model numbers and receipts helps.
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.
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.).
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.
Look up the exclusion or condition named in the letter, plus your declarations page and endorsements: hurricane deductible, roof settlement terms, water damage limits.
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.
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
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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 Heritage claims.
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
Ask for the inspection report and photos the decision relies on, then have the roof documented independently: storm dates, creased or missing shingles, displaced tiles and interior leaks. We compare the evidence with the policy’s roof terms before recommending a next step.
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.
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.
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.
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 checked September 27, 2026.
Free review. Phone, Zoom or in person. We’ll tell you honestly what we see.
Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Heritage Property & Casualty 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.
