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Florida public adjusters · Homeowners Choice / TypTap claims
Homeowners Choice or TypTap denied your claim or paid less than the repair costs? Both are HCI Group insurers. We review the decision, the policy in force on the date of loss and the damage, for free, and tell you plainly what we see.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Homeowners Choice Property & Casualty Insurance Company, TypTap Insurance Company or HCI Group, Inc.. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Homeowners Choice Property & Casualty Insurance Company is a Tampa-based Florida insurer, incorporated on March 30, 2007, that began business on May 10, 2007. It is 100% owned by HCI Group, Inc., according to the Florida Office of Insurance Regulation’s examination report.
TypTap Insurance Company, also based in Tampa, was incorporated on December 28, 2015 and began business on January 15, 2016. OIR’s examination report shows it is owned by TypTap Insurance Group, which is 83% owned by HCI Group.
In OIR’s Q2 2026 market-share report, Homeowners Choice had 137,047 residential policies in force as of June 30, 2026 (18th among Florida residential insurers by policy count) and TypTap had 73,285 (33rd).
General reasons Florida homeowners report for denied or short-paid claims, with any carrier (not a description of Homeowners Choice / TypTap’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.
Water damage policies often exclude seepage or leakage over 14 days or more. A plumber’s written report on the cause and timing of the leak can make the difference.
Some claims start with photos or a video walkthrough. Hidden damage, such as wet insulation or a soaked subfloor, doesn’t always show up on camera. Ask for an in-person inspection if the scope looks thin.
Many Florida policies cap mold or fungi coverage at a low sub-limit. How the water got there, and how fast it was addressed, often decides what is paid.
Under s. 627.70131(4)(a), Florida Statutes, an insurer must keep a log of each adjuster who communicates with you and provide a list of those adjusters on request. It helps when a claim has passed through several hands.
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
Real results
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 Homeowners Choice / TypTap claims.
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
Yes. Both are HCI Group insurers, and the same Florida claim rules apply to each. Check which company is named on your declarations page; that company owes the coverage and must follow s. 627.70131, Florida Statutes, on acknowledging, investigating and deciding the claim.
Often, yes, if notice is given in time. Under s. 627.70132, Florida Statutes, notice of a reopened claim is due within 1 year after the date of loss and notice of a supplemental claim within 18 months. We can look at what was left out and whether a supplement makes sense.
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 Homeowners Choice Property & Casualty Insurance Company, TypTap Insurance Company or HCI Group, Inc.. 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.
