Photo- or video-based first inspection
Some claims start with photos or a video walkthrough. Hidden damage, such as wet insulation or soaked subfloor, doesn’t always show up on camera. Ask for an in-person inspection if the scope looks thin.
KinClaim guide · independent
Florida public adjusters · Kin claims
Kin denied or underpaid your claim?
Kin denied your claim or paid less than the repair actually costs? Kin sells online, so many policyholders have never met an adjuster in person until the claim. We review the decision, the policy you had on the date of loss and the damage itself, for free, and tell you plainly what we see.
- Free claim review. No fee to talk.
- Florida firm license G288962 (lead adjuster license W915694)
- We work for you, not the insurance company
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Kin Insurance (Kin Interinsurance Network). Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
About Kin
Kin Insurance policies in Florida are written by Kin Interinsurance Network, a Florida reciprocal insurance exchange that began business on June 24, 2019. The exchange is owned by its policyholders (subscribers) and managed by an attorney-in-fact, Kin Risk Management, a subsidiary of Chicago-based Kin Insurance, Inc., according to OIR’s examination report.
In the Florida Office of Insurance Regulation’s Q2 2026 market-share report, Kin Interinsurance Network had 169,957 residential policies in force as of June 30, 2026, ranking 12th among Florida residential property insurers by policy count.
Why Kin claims get denied or underpaid
General reasons Florida homeowners report for denied or short-paid claims, with any carrier (not a description of Kin’s internal rules):
Roof settlement terms
Many Florida policies pay older roofs on an actual cash value basis or use a roof payment schedule. Check your declarations and endorsements before you accept a roof figure.
Wind vs. water intrusion
Interior water after a storm is often disputed unless the file shows how the water got in. Document the opening and the path.
Sudden vs. long-term leaks
Water damage policies often exclude seepage over 14 days or more. A plumber’s report on the cause and timing can make the difference.
Late-reported damage
Florida’s 1-year notice deadline for new and reopened claims is strict. Report as soon as you notice damage, even if you’re not sure of the full extent.
Tip: Ask who has worked your claim
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.
What to do after a Kin 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 Kin 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 →
Kin claim FAQ
Kin handled my claim online. Can a public adjuster still help?
Yes. We can inspect the property in person, document the damage the photos may have missed, prepare a detailed estimate and handle the communication with the insurer. The policy and Florida law apply the same way however the claim was reported.
Is a reciprocal exchange claim handled differently?
Your rights come from your policy and Florida law, the same as with any insurer. The attorney-in-fact manages claims for the exchange. Florida’s deadlines to acknowledge, investigate and pay or deny (s. 627.70131) apply to residential property insurers generally.
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 Kin Interinsurance Network, St. Petersburg, 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 Kin Insurance (Kin Interinsurance Network). 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.