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Florida public adjusters · Security First claims
Security First denied your claim or offered far less than your contractor’s estimate? We read the policy in force on the date of loss, inspect the damage and compare it line by line with the insurer’s estimate, then tell you for free whether there is a realistic path to more.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Security First Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Security First Insurance Company is a Florida property insurer with its principal offices in Ormond Beach, Florida. It was incorporated in 2005 and began writing business that year, and it is owned, through an intermediate holding company, by Security First Insurance Holdings, LLC, according to the Florida Office of Insurance Regulation’s examination report.
In OIR’s Q2 2026 market-share report, Security First had 157,986 residential policies in force as of June 30, 2026, ranking 13th 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 Security First’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.
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.
Homeowners policies generally exclude flood. When wind and storm surge both hit a home, the file needs evidence separating the two.
Water damage policies often exclude seepage over 14 days or more. A plumber’s report on the cause and timing can make the difference.
Damaged furniture, flooring, appliances and personal property are easy to undercount. A room-by-room inventory with photos and receipts helps.
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 Security First claims.
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
Ask the insurer 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.
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.
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.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Security First 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.
