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Florida public adjusters · Slide claims
Slide denied or underpaid your claim? Many Slide policyholders came from Citizens through takeout, so the policy form, deductibles and endorsements may be different from what you had before. We start by reading the policy you actually had on the date of loss, then the damage.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Slide Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Slide Insurance Company is a Tampa-based residential property insurer. Its parent, Slide Insurance Holdings, Inc., was founded in 2021 and completed its initial public offering in June 2025; its shares trade on Nasdaq under the symbol SLDE.
In the Florida Office of Insurance Regulation’s Q2 2026 market-share report, Slide had 485,271 residential policies in force as of June 30, 2026, ranking 3rd among Florida residential property insurers by policy count.
When a Florida claim is denied or paid short, it usually comes back to one of these general positions, whatever the carrier. None of this describes Slide’s internal rules:
A policy assumed from Citizens can come with a different deductible, roof settlement terms or water-damage limits. The coverage that applies is the one in force on the date of loss, so start with that declarations page.
Florida policies may cap non-weather water damage unless you bought back coverage, and may exclude repeated seepage. The exact endorsement wording decides what applies.
Carriers often cite prior damage or age. A pre-storm inspection report, a four-point or wind-mitigation report, or earlier photos can help show the roof’s condition before the event.
Storm and water damage spread. Estimates that only cover the obvious room or slope can leave adjoining areas, cabinets, insulation and flooring out.
Some denials come down to a request for photos, invoices or a proof of loss that was never answered. Florida lets insurers pause claim deadlines when requested material information isn’t provided within 10 days (s. 627.70131(8)(b)).
Keep a log of every request the carrier makes and when you responded. It protects your timeline and makes it easier to show the insurer had what it needed.
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
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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 Slide claims.
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
The policy in force on the date of loss. If the loss happened after the assumption date, the claim goes to Slide under Slide’s policy form. If it happened before, it may belong to Citizens. Your declarations pages show the effective dates.
It can. Under s. 627.70131(8)(b), Florida Statutes, the insurer’s deadline to pay or deny is tolled if you don’t provide requested material claim information within 10 days, until the insurer receives it. Respond promptly and keep proof of what you sent.
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 Slide 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.
