American Integrity Public Adjuster. FL Claim Help.

American Integrity is a Florida-domestic carrier active in Florida's property insurance market. This profile covers how they handle claims, common issues policyholders report, and what to know when you file.

The play is net zero. Your supplement asks for more, the file gets reassigned, a second set of eyes goes back through the original scope, and by the time the cuts to the agreed items are netted against the additions from your supplement, the number has not moved. Nobody has to deny anything. The supplement is technically accepted and it buys the homeowner nothing. What makes it work is that most people never compare the two estimates line by line. Before the re-inspection, I confirm the prior agreement in writing. That letter exists specifically so that a later reduction has to be a retraction of something documented rather than a quiet revision of something nobody wrote down. I also request their existing detailed estimate under 627.70131, which they owe within seven days of it being generated. I photograph every room's current condition, dated, before they arrive. I attend. Every time. With my own tape and my own camera. I make every reduction get a stated reason in the room. Not we re-measured. What measurement, taken where, and what changed. Then afterward, one document: original line item, revised line item, difference, reason given, my response. Side by side.

This one builds itself, because their theory has to explain the shingles in the yard and it cannot. Step one, establish the wind. Peak gust at the nearest reporting station for that date, the hurricane advisories covering that location, and radar. Step two, establish the opening, which is the element they are denying. Shingles in the yard means shingles came off the roof. Shingles coming off the roof means the deck or the underlayment beneath them was exposed. Exposure is an opening, by definition, and it was created by wind. Step three, document the roof properly. Step four, connect inside to outside. Map each stained ceiling area to the slope directly above it and show the path. Distribution across three rooms is a field failure, not a penetration failure. Step five, timeline. No prior interior staining, no prior leak claims, no prior roof repair invoices, and staining that appeared after the storm date. Step six, get their file. Every inspection photograph rather than the selected ones, the adjuster log, any engineer report. Step seven, the letter, and it ends with one question: identify the specific penetration you contend admitted this water, the photograph in your own file that shows it, and explain how a single deteriorated penetration produced water staining in three separate rooms. Step eight, escalation if needed. Mediation under 627.7015, appraisal if coverage is not actually in dispute, and a civil remedy notice under 624.155.

— Eli Goins, Florida licensed public adjuster #P159790. Ocean Point Claims Company (FL DFS #W829547).

American Integrity follows standard Florida claim-handling protocols under Florida Statute 627.70131: 7 calendar days to acknowledge a claim communication, 30 days to conduct any physical inspection after receiving proof-of-loss statements, and 60 days to pay or deny after receiving notice of the claim. Timing and thoroughness vary across carriers.

If your claim with American Integrity is delayed beyond statutory windows, scoped below your actual damage, or denied on marginal grounds, a licensed Florida public adjuster can review and represent you. We operate under FS 626.854 exclusively for policyholders. The Homeowner Claim Bill of Rights outlines what American Integrity owes you.