Written and reviewed by Cory Cannon, Esq.
Published Updated
If American Integrity Insurance Company of Florida denied, underpaid, or delayed your claim, Florida law gives you specific tools and specific deadlines. Give original or reopened notice within 1 year after the date of loss and supplemental notice within 18 months after the date of loss under Fla. Stat. 627.70132. You have 5 years from the date of loss to file suit for breach of the policy under Fla. Stat. 95.11(2)(e). Before any lawsuit, Fla. Stat. 627.70152 requires a pre-suit notice of intent to initiate litigation, served through the Florida Department of Financial Services (DFS). A denial letter is the carrier’s position, not a court ruling. It can be tested, and the evidence that tests it (inspection reports, repair bids, policy language) is gathered on your side of the file.
Cory Cannon represents policyholders and does not work for insurance companies. We review American Integrity denial letters, estimates, and engineering reports at no charge. Some disputes may be accepted on contingency. Under a contingency agreement, no recovery means no attorney’s fee. We may advance case costs. In certain circumstances, you may be responsible for case costs under your written agreement or the opposing party’s attorney’s fees or costs under applicable law, even without a recovery. If your claim was denied outright or paid for less than the repairs cost, the sections below explain what the public record shows about this carrier, the timeline Florida law imposes on it, and the process used to challenge its numbers.
Findings Summary
- American Integrity Insurance Company of Florida is headquartered in Tampa. Its parent, American Integrity Insurance Group, Inc., listed on the NYSE (ticker AII) in May 2025.
- The company reported 406,094 policies in force as of September 30, 2025, up 48.6% from 273,222 a year earlier (Q3 2025 earnings release, SEC Form 8-K).
- Claim notice deadlines: 1 year from the date of loss for original or reopened notice, 18 months after the date of loss for supplemental notice (Fla. Stat. 627.70132).
- Claim handling deadlines: acknowledge within 7 days, conduct any physical inspection within 30 days after receipt of proof-of-loss statements, pay or deny within 60 days (Fla. Stat. 627.70131).
- A pre-suit notice under Fla. Stat. 627.70152 is required before suing; every such notice is a public record searchable in the DFS PIITIL database.
- Lawsuit deadline: 5 years from the date of loss (Fla. Stat. 95.11(2)(e)).
- Cory Cannon reviews American Integrity claim files free of charge, and some disputes may be accepted on contingency.
Who Is American Integrity? What the Public Record Shows
American Integrity Insurance Company of Florida writes residential property insurance (homeowners, condo unit owners, landlords, and manufactured homes) and is one of the larger Florida-based carriers in the Tampa Bay market. It is headquartered in Tampa, the same market where I practice. Its parent company completed an initial public offering in May 2025, which means its policy counts and financials are now published in dated, audited filings with the U.S. Securities and Exchange Commission rather than held as trade secrets, as many Florida carriers’ figures now are.
| Data point | Figure | As of | Source |
|---|---|---|---|
| Policies in force | 406,094 | September 30, 2025 | Q3 2025 earnings release (SEC Form 8-K) |
| Policies in force, prior year | 273,222 | September 30, 2024 | Q3 2025 earnings release (SEC Form 8-K) |
| Year-over-year policy growth | +48.6% | Sept. 2024 to Sept. 2025 | Q3 2025 earnings release (SEC Form 8-K) |
| Policies in force | 356,108 | December 31, 2024 | IPO registration filings (SEC) |
| NYSE listing (ticker AII) | N/A | May 2025 | SEC filings; company announcements |
Part of that growth came through Florida’s depopulation program, under which state regulators approved American Integrity to assume policies out of Citizens Property Insurance Corporation in multiple rounds during 2024 and 2025. If your policy arrived by assumption rather than by shopping, your claim rights under Florida law are the same as any other policyholder’s.
Growth of nearly fifty percent in one year means a claims operation absorbing far more files than it handled the year before. We do not draw conclusions from that; we simply note that the statutes below apply to every one of those files, and that the deadlines do not flex for a carrier’s volume.
How to Look Up American Integrity’s Litigation and Complaint Records
You do not have to take anyone’s word (ours included) about how any Florida carrier behaves. Three public databases let you check:
- DFS PIITIL database. Every pre-suit notice of intent to initiate litigation served on a Florida property insurer under Fla. Stat. 627.70152 is a public record. Search them by insurer name and date range at the DFS Property Insurance Intent to Initiate Litigation search page. The results show how often policyholders reached the brink of suing a given carrier, and over what kinds of disputes.
- DFS Civil Remedy Notice system. Notices alleging insurer bad faith under Fla. Stat. 624.155 are filed with DFS and searchable in the Civil Remedy Notice database.
- OIR industry reports. The Florida Office of Insurance Regulation publishes market data, including its Property Insurance Stability Report (most recently the January 1, 2026 edition), on its industry reports page.
A notice or complaint is an allegation, not a finding. But volume, trend, and dispute type are facts, and they are dated. Our carrier records index explains how to run these lookups for any Florida insurer, step by step.
Filing a Claim with American Integrity: The Basics
American Integrity publishes a 24/7 claims line, 866-277-9871, and accepts claims online through its customer portal at myaii.com. When you report a loss:
- Report promptly and get a claim number. The outer limit is 1 year from the date of loss for a new claim under Fla. Stat. 627.70132, but earlier reporting avoids the argument that delay prejudiced the investigation. Our insurance claim deadline calculator maps your specific dates.
- Photograph everything before you touch it. Wide shots, close-ups, dates. Keep damaged materials where practical.
- Mitigate. Your policy requires reasonable steps to prevent further damage: tarping a roof, drying wet flooring. Keep every receipt; mitigation costs are generally part of the claim.
- Keep your own file. Every letter, email, estimate, and adjuster name, with dates. Disputes are won on paper.
Be careful with two documents. A proof of loss is a sworn, signed statement of the amount you claim: it starts statutory clocks and it is evidence, so it should be accurate and complete. And any check or form containing release language (“full and final settlement”) deserves a lawyer’s read before you sign, because a release can end a claim that a routine partial payment would not.
The Timeline Florida Law Sets for Every American Integrity Claim
Fla. Stat. 627.70131, tightened by the December 2022 special-session reforms (Senate Bill 2-A), sets hard deadlines for residential property claims:
| What the insurer must do | Deadline |
|---|---|
| Acknowledge your claim communication | 7 days |
| Begin its investigation | 7 days after receiving proof of loss |
| Conduct any physical inspection | 30 days after receipt of proof-of-loss statements, if an inspection is conducted |
| Pay the claim, or deny it in writing | 60 days |
An Office of Insurance Regulation order can extend payment or denial by up to 30 days. Section 627.70131 also allows pauses for mediation, contractual dispute resolution and unanswered material-information requests. But “we’re backed up” is not one of them. If your claim has gone quiet, run the dates through our insurer response timeline checker to see which statutory deadlines have already passed. Document any missed deadline after accounting for statutory extensions and pauses. That record matters both in pre-suit negotiations and in any bad faith analysis under Fla. Stat. 624.155 and 624.1551 (which requires an adverse adjudication against the insurer before a bad faith action can proceed).
When an American Integrity Claim Is Denied or Underpaid
Denials and underpayments in this market tend to cluster around a few themes: causation (the carrier attributes roof damage to wear and tear or prior conditions rather than wind), scope (the estimate repairs part of what was damaged), pricing (unit costs below what licensed contractors in your county actually charge), and exclusions (common in water damage claims, where the carrier invokes the constant-seepage exclusion or the ensuing-loss language). A dispute usually moves through these steps:
- Line-by-line estimate audit. We read the carrier’s repair estimate the way it was written (line by line) and check quantities, omitted trades, overhead and profit, and unit pricing against real bids from licensed local contractors. Where undamaged tile, siding, or flooring cannot reasonably match the replacement, Florida’s matching statute, Fla. Stat. 626.9744, is part of the audit.
- Independent inspection. Where causation is disputed, we retain independent licensed engineers to inspect and report. If American Integrity sent its own engineer to your roof, read our explainer on what a carrier-hired engineer’s inspection means for your claim, and get the report; you are entitled to ask for it.
- Pre-suit notice under 627.70152. We serve the notice of intent to initiate litigation through DFS, stating the amount in dispute with our documentation attached. American Integrity must respond in writing within 10 business days, with a settlement offer, a demand for appraisal or other alternative dispute resolution, or a continued denial. A well-documented notice resolves many disputes at this stage.
- Appraisal, mediation, or suit. If the policy’s appraisal clause fits the dispute (a disagreement about amount, not coverage), appraisal can be faster than litigation; the DFS mediation program is another route for some residential claims. Our guide to appraisal versus mediation in Florida compares them. Where the carrier stands on a wrongful denial, we file suit within the 5-year window of Fla. Stat. 95.11(2)(e).
What It Costs
Fee arrangements depend on the matter. Some American Integrity disputes may be accepted on a contingency basis. Under a contingency agreement, no recovery means no attorney’s fee. We may advance case costs. In certain circumstances, you may be responsible for case costs under your written agreement or the opposing party’s attorney’s fees or costs under applicable law, even without a recovery. The written agreement states the terms before any work begins.
Florida no longer awards prevailing policyholders their attorney fees automatically in these suits. The reforms enacted in 2022 and 2023 ended that. Fee-shifting pressure now comes chiefly through Fla. Stat. 768.79, the proposal-for-settlement statute: a party that rejects a formal settlement proposal and then does sufficiently worse at trial can be made to pay the other side’s fees from the date of the proposal.
Why Cory Cannon
I am a Florida attorney with a family history in construction for generations. That upbringing is why I read carrier estimates instead of skimming them: I know what a roofing scope should include, what drying a flooded floor actually involves, and what the line items are worth in this market. When American Integrity’s estimate says a repair costs a number no licensed local contractor will honor, we can show the gap trade by trade rather than argue in generalities. That is the whole approach (documents, measurements, statutes, deadlines) applied through our property insurance claims practice from first review through trial if needed. Send us the denial letter or the estimate through our consultation form; the review costs nothing and you will get a plain answer about whether the numbers hold up.
If Your Real Dispute Is with a Builder, Not the Insurer
Sometimes the file shows the damage traces to defective work (a roof installed wrong, stucco that never sealed, plumbing that failed early) rather than to a storm or sudden event. That can be a claim against the contractor or builder, with its own notice procedures and deadlines, and it can exist alongside or instead of the insurance claim. Our construction defects practice handles those cases, and I will tell you plainly if yours points that direction.