New Insurance Claim, Underpaid Insurance Claim, Denied Insurance Claim?
Immediate Help With Your Florida Insurance Claim:
If your insurance claim was denied, underpaid, late, or you’re not sure how to start — you are in the right place.
Call 888-881-8416 or Submit a Free Claim Review now to protect your rights and maximize your payout.
Insurance companies often make it difficult for homeowners and business owners to file, document, or fairly settle claims — especially after hurricanes, wind, fire, water damage, or theft. An experienced public adjuster can:
- Review your denied or underpaid claim
- Prepare and present your loss packet
- Negotiate with your insurer on your behalf
- Increase your settlement significantly
Almost all insurance policies allow claims to be reopened or supplemented if evidence supports additional loss once properly evaluated. Learn what a public adjuster does and why it matters if your claim was mishandled.
Common Scenarios Where Claims Are Underpaid or Denied
Insurance companies may deny or underpay for reasons including alleged “wear and tear,” supposed late reporting, inadequate documentation, or misclassification of the damage. If this sounds familiar, you may still have a path to recovery:
- Denied for water damage: Often related to seepage vs sudden and accidental events
- Underpaid for hurricane or wind: Scope errors, missing rooms, or underestimated structural damage
- Denied mold claim: Mold may be covered when it arises from a covered peril
- Business interruption denied or delayed
Not sure whether your situation qualifies? Water Damage Claim Assistance, Hurricane Claim Help, and Mold Claim Support are some of the most common paths we manage for policyholders.
Insurance Companies Writing New Business in Florida (2024–2025)
Florida’s homeowner insurance market continues to evolve. In recent years, the state Office of Insurance Regulation has approved many new carriers to enter the market — giving homeowners more options and competition. Floridians now have more insurance choices than in years past. :contentReference[oaicite:0]{index=0}
Newer Property & Casualty Insurers Approved to Operate
- Viceroy Preferred Insurance Company — Approved 2025, writes homeowner multi-peril and dwelling fire policies. :contentReference[oaicite:1]{index=1}
- Stand Insurance Exchange — Recently entered the Florida market to write homeowners, fire, allied lines, and liability. :contentReference[oaicite:2]{index=2}
- Praxis Reciprocal Exchange — Approved to write a broad range of property and casualty coverage. :contentReference[oaicite:3]{index=3}
- Slide Insurance Company — Specialty coastal family and condo market (newer insurer backing strong public interest). :contentReference[oaicite:4]{index=4}
- Orange Insurance Exchange — One of the newer carriers entering Florida late 2024. :contentReference[oaicite:5]{index=5}
- Orion180 Select Insurance — Approved late 2024 for property coverage. :contentReference[oaicite:6]{index=6}
- Manatee Insurance Exchange — New market entrant for homeowners coverage. :contentReference[oaicite:7]{index=7}
- Homeowners Choice Property & Casualty Insurance Company — Re-entered and writing coverage in 2024–2025. :contentReference[oaicite:8]{index=8}
Major Active Insurers in Florida
Some of the largest and most active homeowners insurance carriers still writing policies in Florida include: :contentReference[oaicite:9]{index=9}
- Citizens Property Insurance Corporation — State insurer of last resort, often the largest single writer in Florida. :contentReference[oaicite:10]{index=10}
- State Farm Florida Insurance Company — One of the top private carriers with extensive agent network and homeowners coverage. :contentReference[oaicite:11]{index=11}
- Universal Property & Casualty Insurance Company — Major carrier with wide footprint. :contentReference[oaicite:12]{index=12}
- Tower Hill Insurance Exchange — Well-established writing homeowners policies statewide. :contentReference[oaicite:13]{index=13}
- American Integrity Insurance Company of Florida — Strong presence in coastal markets. :contentReference[oaicite:14]{index=14}
- Security First Insurance Company — Actively writing policies in Florida. :contentReference[oaicite:15]{index=15}
- Florida Peninsula Insurance Company — Growing market share and coverage options. :contentReference[oaicite:16]{index=16}
- Progressive / ASI Preferred — National carrier with growing Florida footprint. :contentReference[oaicite:17]{index=17}
- USAA — Highly rated carrier with strong claims handling (military-affiliated). :contentReference[oaicite:18]{index=18}
What to Do If Your Claim Was Denied or Underpaid
If your insurer has denied, delayed, or underpaid your loss, you have options. Your carrier’s adjuster works for the insurance company — not for you. A public adjuster works for you to document the loss, present a defensible scope, and negotiate a fair settlement.
Next steps:
- Don’t accept the first settlement without a second review.
- Document every damaged area with photos, videos, and measurements.
- Keep repair estimates and contractor notes.
- Call 888-881-8416 or request a free claim consultation now.
Most insurance claims can be supplemented or reopened if supported by evidence. Let a licensed Florida public adjuster present your claim with the documentation it deserves.