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Florida public adjusters · Monarch National claims
Monarch National denied your claim or short-paid it? We inspect the property, read the policy you had on the date of loss and compare the insurer’s estimate line by line with the real damage. The review is free.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Monarch National Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Monarch National Insurance Company is a Florida property insurer based in Tallahassee. It was incorporated on February 6, 2015. It was formerly owned by FedNat Holding Company; as of December 31, 2023, it was 99% owned by funds managed by Hale Partnership Capital Management, according to the Florida Office of Insurance Regulation’s examination report.
FedNat’s own insurer, Federated National, is in receivership, but Monarch National is a separate company and does not appear on the Florida Department of Financial Services list of companies in receivership (checked September 27, 2026).
In the Florida Office of Insurance Regulation’s Q2 2026 market-share report, Monarch National had 133,832 residential policies in force as of June 30, 2026, ranking 19th among Florida residential property insurers by policy count.
General reasons Florida homeowners report for denied or short-paid claims, with any carrier (not a description of Monarch National’s internal rules):
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.
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.
Homeowners policies generally exclude flood. When wind and storm surge both hit a home, the file needs evidence separating the two, such as water lines, roof openings and debris patterns.
Estimates sometimes price only the visibly damaged area. Moisture readings, removal of wet materials and matching of adjoining finishes often belong in the scope too.
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 yet.
Found more damage after the insurer’s payment? Under s. 627.70132, Florida Statutes, notice of a supplemental claim must be given within 18 months after the date of loss. Don’t wait for the full repair to finish.
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 Monarch National claims.
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
No. Federated National Insurance Company is in receivership, but Monarch National is a separate insurer that is not on the Florida DFS receivership list as of September 27, 2026. Claims on a Monarch National policy go to Monarch National.
Ask Monarch National in writing for its detailed estimate and an explanation of the difference, then compare the two line by line: quantities, materials, labor, code items and overhead. Under s. 627.70131(7)(a), Florida Statutes, an insurer that pays less than its own detailed estimate must explain the difference in writing.
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 Monarch National 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.
