Claims 101
Turning Setbacks into Comebacks
A home insurance claim is your first step toward recovery after damage or loss. From storm repairs to theft recovery, the claims process ensures you get the support you deserve after a covered loss.
Be Ready Before Disaster Strikes:
Pro Tips for Filing a Claim
Before a Loss:
- Create a Home Inventory: Keep a detailed list of your belongings, including photos, receipts, and appraisals for valuable items. Keep a digital copy for easy access.
- Know Your Policy Inside and Out: Review your policy annually to understand what’s covered, your deductibles, and exclusions. Make sure it reflects recent significant purchases and renovations.
- Secure Your Home: Maintain your roof and install protective features like storm shutters to better protect your home against potential damage and possibly lower your premium.
The Claims Process: Step-by-Step
Navigating the claims process is easier when you know what to expect. Here’s how it unfolds:
Navigating the claims process is easier when you know what to expect. Here’s how it unfolds:
- Assess and Document: Take detailed photos or videos of the damage.
- Make Minor Repairs and Keep Receipts: If the structure of your home will allow you to safely do so, take reasonable steps to prevent further damage to your home.
- File Your Claim: Call American Integrity at 1-866-277-9871 or access our online Customer Portal to start the process. When filing your claim, be specific about what happened and upload relevant documentation.
- Inspection and Review: Meet with your adjuster to evaluate the damages.
- Out of Pocket Expenses: Make sure you understand what you’ll need to purchase and what you’re eligible to be reimbursed for. Coverage for incurred expenses if your home is deemed unlivable is known as Additional Living Expenses (ALE). Be sure to ask your claims representative if this is included in your policy.
- Receive an Estimate: Make sure you understand what your policy covers and your share of the costs.
- Rebuild with Confidence: Your adjuster can help you identify a reputable contractor to assist with your repairs
The Truth About Filing Claims: Separating Facts from Fiction
Understanding the claims process starts with cutting through misinformation. Here are realities every Florida homeowner should know:
Your Policy Doesn’t Cover Every Disaster
- Filing a claim for minor repairs might not even meet your deductible. Save claims for significant damages to protect your claims history.
Your Policy Doesn’t Cover Every Disaster
- Standard policies don’t cover flooding, sewer backups, or gradual wear and tear. Understanding these exclusions helps you avoid surprises when disaster strikes.
Contractor Scams are Real—Stay Vigilant
- Be cautious of contractors who promise “free repairs” or ask you to sign over your benefits. The adjuster assigned to your claim can recommend trusted professionals.
You Have the Right to Challenge Decisions to a Secondary Review
- If a claim is denied, ask for clarification, and submit additional documentation if needed. Florida’s Homeowners Bill of Rights also lows you to seek mediation in the event of a claims dispute.
Empowered Homeowners Make Better Decisions
The first step to empowerment is understanding your policy. Be sure to read through your declarations page and the applicable policy forms thoroughly, and talk to your agent about anything that’s confusing.
Additionally, understanding your rights means you can handle the claims process with confidence and avoid common pitfalls along the way. Your rights as a policyholder include:
- Timely communication and updates from your insurer
- A detailed explanation of your settlement
- The ability to dispute or appeal claims decisions
- Protection against unethical practices like inflated repair costs
Don’t Make Potentially Costly Mistakes
Living in Florida means extra consideration for your policy:
Your Claims IQ Is the Key to Confidence
Filing a claim doesn’t have to be overwhelming. By understanding your policy, knowing your rights, and staying prepared, you can navigate any situation with clarity and control.