Kin Insurance Public Adjuster. FL Claim Help.

Kin Insurance 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.

Aerial imagery is genuinely useful for some things. Measuring a roof. Confirming a structure exists. Spotting missing shingles, a tarp, or a tree on the house. It is useless for the thing this denial claims to have determined. Hail bruising is a soft depression with a fractured mat underneath, and it does not cast a shadow. Seal strip failure is invisible from above because the tab is still lying flat. Neither one resolves at any altitude, from any angle, in any light.

So the first letter asks for specifics, all of them in writing. Capture date of the imagery relied on, and how that compares to the date of loss. Ground sample distance or resolution. Whether the imagery was nadir or oblique. The vendor and the product. Whether any human being physically inspected the roof, and if not, who made the determination and on what. And every image relied on, not the selected ones.

A denial issued in days on a roof nobody climbed usually cannot survive those seven questions.

Then I put the physical evidence next to it. Numbered test squares on all slopes with the lee slope as a control, because age degrades a roof evenly and a storm does not. Fractured mat photographed with a scale. Hand-lift testing on the seal strip, documented by slope. Hits counted per square against their own threshold. Soft metals, which is where these are won: gutters, drip edge, vent caps, window screens, and the condenser fins.

Then the demand. Your determination was made without physical inspection. Here is what physical inspection found on three slopes. Send an adjuster.

Then read what the cap actually caps. This is where money hides. Does it limit the water damage, or the whole loss? Does it apply per occurrence or per policy period? Does it include mitigation, or sit on top of it? Does it reach the cost of repairing the failed component, or only the resulting damage? A $10,000 cap on water damage does not necessarily cap cabinet replacement required for access, code-driven work, or your loss of use.

What I tell homeowners generally: this is not carelessness on your part. Endorsements arrive in a renewal packet the thickness of a phone book, in a mailing that looks like every other mailing, once a year. Almost nobody reads it and the industry knows almost nobody reads it. The lesson is not to feel foolish. The lesson is to pull your declarations page every renewal and read the endorsement schedule, which is one page and takes four minutes.

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

Kin Insurance 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 Kin Insurance 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 Kin Insurance owes you.