Insurance Emails for Claims, Claim Portals and Reporting Help
Looking for an insurance company email address, claim portal, or phone number to report property damage? Use this resource to help locate common claim reporting channels for Florida homeowners, condominium owners, business owners, luxury property owners, and policyholders.
Before reporting a major claim, accepting a low estimate, or sending incomplete information to the insurance company, call Experienced Public Adjusters. EPA helps with new claims, delayed claims, underpaid claims, and denied claims involving water damage, roof damage, hurricane damage, wind damage, fire and smoke damage, mold, plumbing leaks, commercial losses, luxury property damage, and premium carrier disputes.
Before You File
- Document damage with photos and videos
- Do not guess about the cause of loss
- Keep emergency mitigation invoices
- Save all carrier emails and claim numbers
- Call EPA before accepting a low estimate
- Live person answers 24/7
Call EPA before reporting the claim whenever practical so the damage can be documented correctly from the beginning.
If the carrier is slow to inspect, respond, or pay, EPA can review the file and help move the claim forward.
If the estimate is low, EPA can review scope, pricing, materials, code issues, and missing damage.
If the claim was denied, EPA can review the policy, denial letter, damage facts, and claim communications.
Important: Claim Reporting Channels Change
Insurance companies frequently change claim emails, claim portals, app reporting, mailing addresses, and phone procedures. Always confirm the current reporting instructions in your policy, declarations page, claim letter, carrier website, or policyholder portal.
Some older Florida insurance companies and legacy claim email addresses may no longer be active because of insolvency, receivership, liquidation, policy assumption, merger, carrier withdrawal, or claim administration changes.
If you are not sure where to report the claim, call EPA. Send us the declarations page, claim letter, estimate, or policy correspondence, and we can help identify the claim reporting path and review the claim strategy.
Premium Carrier and High-Value Home Claim Reporting
Premium carrier claims often involve luxury homes, custom finishes, waterfront properties, high-value contents, specialty materials, private client policies, and larger repair scopes. Do not assume the first carrier estimate is complete. EPA can help review the claim before you accept a low or incomplete payment.
| Carrier / Program | Common Claim Reporting Route | EPA Help Page / Notes |
|---|---|---|
| Chubb / Chubb Masterpiece | Online Chubb claim reporting, Chubb claims contact center, policyholder portal, or agent/broker channel. Chubb lists 1-800-CLAIMS-0 / 1-800-252-4670 for its claims contact center. | Chubb Masterpiece Claims |
| PURE Insurance | PURE member portal, claim phone reporting, app/account reporting, or agent channel. Confirm the current number and reporting instructions from the policyholder account or declarations page. | PURE Insurance Claims |
| AIG Private Client / Private Client Select | Private client claim reporting may use portal, phone, broker, or private client claim intake. Check current reporting instructions before sending sensitive documents. | AIG Private Client Claims |
| Travelers | Travelers Claim Center, file a claim, upload a file, check claim status, and MyTravelers tools. | Travelers Insurance Claims |
| Cincinnati Insurance | Carrier claim center, agent reporting, phone reporting, or policyholder account. Confirm current instructions with the carrier or agent. | Cincinnati Insurance Claims |
| Lloyd’s / Lloyd’s Market Policies | Usually reported through the policy declarations, broker, managing general agent, third-party administrator, or claim instructions listed in the policy. | Lloyd’s Insurance Claims |
| USAA | USAA app, online account, phone reporting, or claim center. Confirm the correct claim path in the member account. | USAA Insurance Claims |
Florida Property Insurance Claim Reporting Contacts
Use this list as a starting point. Many carriers prefer claim portals or phone reporting instead of email. If an email address does not work or the claim involves major damage, call EPA before relying on the carrier’s first estimate.
| Insurance Company | Common Claim Reporting Route | EPA Notes |
|---|---|---|
| Citizens Property Insurance | Phone: 866-411-2742. Online: myPolicy claim reporting and tracking. Email/document address may vary based on the claim. | Citizens Insurance Claims |
| American Integrity | Carrier claim center, phone reporting, or claim email listed in current policy documents. Older references commonly list claimsmail@aiicfl.com; verify before relying on it. | Call EPA for underpaid, delayed, or denied American Integrity claims. |
| Universal Property & Casualty | Universal claim portal, phone reporting, or claim email listed in policy documents. Older references commonly list claimsmail@universalproperty.com; verify first. | Call EPA before accepting a low Universal estimate. |
| Security First Insurance | Carrier portal, phone, app/account, or claim email listed in the current policy. Older references commonly list claims@securityfirstflorida.com; verify first. | EPA reviews water, roof, hurricane, and denied Security First claims. |
| HCI / Homeowners Choice | HCI claim portal, phone reporting, agent reporting, or claim email listed in current documents. Older references commonly list claims@hcpci.com; verify first. | Useful for underpaid water, roof, hurricane, and mold claim review. |
| Velocity Risk | Carrier claim portal, phone, agent, or document upload channel. Older references commonly list claimdocuments@velocityrisk.com; verify before using. | Call EPA for high-value, coastal, wind, and water damage claim issues. |
| AAA / Auto Club Florida | AAA claim center, policyholder account, phone reporting, or claim email listed in policy documents. Older references commonly list claims@autoclubfl.com; verify first. | EPA can review disputed property damage claim estimates. |
| ASI / Progressive Home | Progressive/ASI claim portal, phone reporting, policyholder account, or carrier claim center. Confirm the correct ASI underwriting company before reporting. | EPA can help with underpaid roof, water, hurricane, and fire claims. |
| Liberty Mutual | Liberty Mutual claim center, online account, app, or phone reporting. Older references commonly list claimsreports@libertymutual.com; verify before using. | Call EPA before accepting an incomplete property estimate. |
| Allstate / Castle Key | Allstate claim center, app, policyholder account, agent, or phone reporting. Florida policies may involve Castle Key companies. | EPA reviews delayed, underpaid, and denied Allstate/Castle Key property claims. |
| Florida Peninsula / Edison | Carrier claim portal, phone reporting, agent reporting, or claim email listed in current documents. Older references commonly list claims@floridapeninsula.com; verify first. | EPA reviews water, hurricane, roof, and denied Florida Peninsula/Edison claims. |
| Heritage Property & Casualty | Heritage claim portal, phone, agent reporting, or claim email listed in policy documents. Older references commonly list claims@heritagepci.com; verify first. | Call EPA for underpaid, delayed, or denied Heritage claims. |
| Florida Family | Carrier claim center, phone reporting, agent reporting, or current policy claim instructions. Older references commonly list claims@floridafamily.com; verify first. | EPA can review disputed property damage estimates. |
| Frontline / First Protective | Frontline claim portal, phone reporting, agent reporting, or current claim document channel. Older references commonly list dailyreports@flhi.com; verify first. | EPA reviews roof, water, hurricane, and high-value property claims. |
| Olympus Insurance | Olympus claim portal, phone reporting, agent reporting, or current policy claim instructions. Older references commonly list olympusclaims@oigfl.com; verify first. | EPA can review underpaid and delayed Olympus claims. |
| Slide Insurance | Slide claim portal, phone reporting, agent channel, or policyholder claim instructions. | EPA reviews disputed water, fire, roof, hurricane, and large-loss Slide claims. |
| Tower Hill | Tower Hill claim center, online portal, phone reporting, or agent channel. | Call EPA for underpaid or delayed Tower Hill property claims. |
| TypTap | TypTap/HCI reporting channel, phone, portal, or current policy claim instructions. | EPA reviews water, roof, hurricane, and denied TypTap claims. |
| People’s Trust | People’s Trust claim center, phone reporting, policyholder account, or managed repair instructions. | Call EPA before relying on a carrier-preferred or managed repair scope. |
| American Traditions | Carrier claim center, phone reporting, agent channel, or policyholder claim instructions. | EPA reviews delayed, underpaid, and disputed American Traditions claims. |
| Kin Insurance | Kin claim portal, app/account, phone reporting, or current policy claim instructions. | EPA can review water, roof, hurricane, and denied Kin claims. |
| Monarch National | Carrier claim portal, phone reporting, agent channel, or current policy claim instructions. | EPA reviews underpaid, delayed, and denied Monarch claims. |
| SafePoint | SafePoint claim center, phone reporting, agent channel, or current policy claim instructions. | EPA reviews water, roof, storm, and disputed SafePoint claims. |
| Loggerhead | Carrier claim portal, phone reporting, agent channel, or current policy claim instructions. | EPA can review underpaid and delayed Loggerhead claims. |
| State Farm | State Farm app, online account, phone reporting, or agent reporting. | EPA reviews disputed property damage scope and underpayments. |
| Nationwide / Private Client | Nationwide claim center, private client claim route, phone reporting, agent, or policyholder account. Older references mention CLPSR@prop.nationwide.com for certain private-client property submissions; verify before using. | EPA reviews luxury and high-value property claim disputes. |
Legacy or Insolvent Florida Insurance Companies
Some older email addresses found online may relate to insurers that no longer write normal active Florida policies, were liquidated, went into receivership, had policies assumed, or used separate claim administrators. Do not rely on an old email address without checking the current claim administration path.
| Legacy Carrier Name | Why to Be Careful | What to Do |
|---|---|---|
| Southern Fidelity | Old online claim emails may no longer be the correct reporting route for active or legacy claims. | Check receiver/claim administrator instructions, FIGA if applicable, policy assumption notices, or call EPA. |
| St. Johns Insurance | Old St. Johns emails may point to outdated customer service or adjustment channels. | Review receivership, assumption, or current claim administrator documents. |
| Gulfstream Insurance | Older claim emails may not be reliable for current claim reporting. | Use current administrator instructions or call EPA for help identifying the claim path. |
| FedNat / Federation National | Legacy company and claim administration issues may apply. | Check receivership/FIGA/administrator instructions before sending claim documents. |
| Avatar Property & Casualty | Old Avatar contact information may not reflect the current claim administration route. | Review liquidation/receiver instructions or call EPA for help. |
| Florida Specialty | Older claim emails may not be active or correct. | Confirm current administrator information before sending claim documents. |
Claim Types EPA Can Help Review
Water Damage Insurance Claims
plumbing leaks, appliance failures, hidden moisture, flooring, cabinets, drywall, and rebuild disputes
Roof Damage Insurance Claims
tile, shingle, metal, flat roof, storm damage, leaks, repair vs. replacement, and missing scope
Hurricane Damage Insurance Claims
wind, storm-created openings, interior water, exterior damage, and large repair scopes
Luxury Property and High-Value Claim Help
If your claim involves a high-value home, waterfront property, premium finishes, specialty rooms, smart home systems, custom cabinetry, marble, natural stone, luxury kitchens, or luxury bathrooms, call EPA before accepting a carrier estimate that may not reflect the full repair scope.
What to Send EPA for a Fast Claim Review
Policy Documents
Declarations page, policy form, endorsements, renewal package, and claim letters.
Claim Information
Claim number, date of loss, carrier estimate, payment letter, denial letter, or reservation of rights letter.
Damage Proof
Photos, videos, mitigation invoices, plumber reports, roofer reports, leak detection, moisture readings, or contractor estimates.
Carrier Communications
Emails, text messages, adjuster notes, inspection notices, requests for documents, and payment explanations.
Insurance Claim Reporting FAQ
Should I call a public adjuster before filing a property insurance claim?
Yes, whenever practical. A public adjuster can help document the damage, review the policy, organize the claim report, and help avoid inaccurate or incomplete information at the start of the claim.
Can I report an insurance claim email?
Some carriers accept claim documents or reports email, but many now prefer online portals, apps, phone reporting, or policyholder accounts. Always confirm the current claim reporting instructions before relying on an email address.
What if I already filed the claim and received a low estimate?
EPA can review the carrier estimate, payment letter, claim documents, policy language, photographs, and contractor scope to help identify potential underpayment issues.
What if the insurance company denied my claim?
EPA can review the denial letter, policy language, cause of loss, inspection findings, photos, repair estimates, and claim communications so the policyholder understands the dispute.
Does EPA represent the insurance company?
No. Experienced Public Adjusters represents policyholders, including homeowners, condominium owners, business owners, commercial property owners, luxury property owners, and high-value property owners.
Need Help Filing or Disputing a Property Insurance Claim?
If your claim is new, delayed, underpaid, denied, confusing, or involves a major property loss, call Experienced Public Adjusters before relying on a carrier email, portal, or low estimate.