Maryland public adjusters · Claims by insurer
Maryland home insurance claim denied or underpaid?
Maryland homeowners see wind and hail, tree damage, winter freeze-ups, basement water and coastal storm damage around the Chesapeake. Maryland is one of the few states with specific, short claim-handling deadlines in regulation.
- Free claim review. No fee to talk.
- Maryland public adjuster license 3004205279
- We work for you, not the insurance company
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Tell us what happened with your Maryland claim
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Largest home insurers in Maryland
Ranked by 2024 homeowners direct written premium, insurance group level, from the Maryland Insurance Administration’s 2025 competitive rating report (Exhibit 3a). Published by the state insurance regulator.
| # | Insurer | Share |
|---|---|---|
| 1 | State Farm | 17.0% |
| 2 | Travelers | 12.3% |
| 3 | Erie | 12.0% |
| 4 | USAA | 10.9% |
| 5 | Allstate | 10.4% |
| 6 | Liberty Mutual | 8.8% |
| 7 | American Family | 5.4% |
| 8 | Nationwide | 5.4% |
| 9 | Chubb | 2.1% |
| 10 | Progressive | 1.6% |
Source: Maryland Insurance Administration, 2025 Report on the Effect of Competitive Rating on the Insurance Markets in Maryland, Exhibit 3a (2024 homeowners direct written premium by group). Each name links to its claim guide. Market share describes size only; it says nothing about how any claim was handled.
Don’t see your insurance company?
Don’t worry. We can most likely represent you with your Maryland carrier too. Every claim is different, so we’ll tell you honestly after a free review.
Start my free claim reviewMaryland’s claim-handling regulation sets working-day deadlines, so keep a dated record of when you reported the claim and when you sent proof of loss or other requested documents.
Maryland claim rules and what to do after a denial or low offer
- 1
Expect an acknowledgment within 15 working days
Maryland’s claim regulation requires an insurer to acknowledge a claim within 15 working days and to reply within 15 working days to your written communications about it (COMAR 31.15.07.03(10), (15)).
- 2
Get a coverage decision after proof of loss
The insurer must affirm or deny coverage within 15 working days after receiving properly completed claim forms or proof of loss, unless the regulation’s exceptions apply or the policy sets a different limit (COMAR 31.15.07.03(12)). Ask for the denial reasons in writing.
- 3
Read the exact policy language cited
Find the exclusion or condition the letter relies on, then read your declarations page and endorsements: deductibles, roof or cosmetic-damage terms, water damage limits and any matching or ordinance-or-law coverage.
- 4
Document the damage before repairs
Photograph and video every room and roof slope, keep damaged materials or samples when you can, and save invoices for emergency repairs. That record is what a reinspection, supplement or appraisal will rely on.
- 5
Use the policy’s appraisal clause if the fight is about the amount
Most homeowners policies have an appraisal clause for disagreements about the amount of loss, not coverage. Read its exact steps, costs and deadlines before invoking it.
More on Maryland claims: Maryland public adjusters
Maryland insurance claim FAQ
How long does an insurer have to decide my claim in Maryland?
Under COMAR 31.15.07.03(12), an insurer generally must affirm or deny coverage within 15 working days after receiving properly completed claim forms or proof of loss, unless an exception in the regulation applies or the policy sets another limit. Claims must be acknowledged within 15 working days (COMAR 31.15.07.03(10)).
Is AF Claims licensed in Maryland?
Yes. AF Claims (American Financial Claims) holds a Maryland public adjuster license 3004205279. We represent policyholders only, never insurance companies, and we can inspect in person, by phone or by video.
My insurance company isn’t listed. Can you still help?
Yes. The list shows the largest home insurers by market share, not the only ones. Maryland’s claim-handling rules apply to every insurer licensed in the state, and the review works the same way whoever wrote your policy.
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
- Maryland Insurance Administration, 2025 Report on the Effect of Competitive Rating on the Insurance Markets in Maryland, Exhibit 3a (2024 homeowners direct written premium by group)
- COMAR 31.15.07.03, Maryland, standards for prompt investigation and settlement of claims
Sources checked September 27, 2026.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. 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. Maryland public adjuster license 3004205279. 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.