Repair program endorsements
Some Florida policies include an endorsement that lets the insurer choose the contractor for covered repairs. Read the endorsement on your declarations page before signing a work authorization.
People’s TrustClaim guide · independent
Florida public adjusters · People’s Trust claims
People’s Trust denied or underpaid your claim?
People’s Trust denied your claim or offered less than a fair repair? We review the policy and any repair-program endorsement, inspect the damage and tell you for free what we see and what your options are.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by People’s Trust Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
About People’s Trust
People’s Trust Insurance Company is a Florida property insurer based in Deerfield Beach. It was incorporated on January 17, 2008 and is owned by People’s Trust Holdings, LLC, according to the Florida Office of Insurance Regulation’s examination report.
In the Florida Office of Insurance Regulation’s Q2 2026 market-share report, People’s Trust had 91,431 residential policies in force as of June 30, 2026, ranking 26th among Florida residential property insurers by policy count.
Why People’s Trust claims get denied or underpaid
General reasons Florida homeowners report for denied or short-paid claims, with any carrier (not a description of People’s Trust’s internal rules):
Wind vs. water intrusion
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.
Sudden vs. long-term leaks
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.
Scope that stops at the stain
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.
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.
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 People’s Trust 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 People’s Trust 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 →
People’s Trust claim FAQ
My policy lets the insurer pick the contractor. Can I still dispute the scope?
The endorsement controls who does covered repairs, not whether all of the damage is included. You can still ask for the detailed estimate, point out missed damage and dispute the scope of the work. Read the endorsement’s exact terms before signing any work authorization.
Can I request mediation?
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.
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 People’s Trust Insurance Company, Deerfield Beach, Florida (as of Dec. 31, 2020)
- 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 People’s Trust 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.