Customer ReviewsforAmerican Integrity Insurance Company of Florida

American Integrity lacks integrity. After Hurricane Ian, we filed a hazard claim, and their own adjuster estimated the repairs would cost $120,000. They offered $14,000. We hired a lawyer who threatened to take them to court, which led them to increase the offer to $44,000. When we did not accept it, they exploited our situation by raising our premium from $4,800 for hazard and flood to $12,400 for hazard only and canceled our flood insurance. Now that we are no longer with them, our insurance is $3,400 a year for hazard coverage. They terminated our flood insurance purely to cause us harm, as we had never filed a flood claim. Since the law prohibits them from canceling the hazard insurance during litigation, they canceled the flood coverage instead, forcing us into a new, higher-rate FEMA policy.

For the past two years I have tried to pay my premium by check and both times they claim they never received it. These are the only two times I have ever had a check payment Lost in the mail. I suspect its more expensive to process a check than an electronic payment so they conveniently lose the check. Oh did I mention they increased my premium by 50% this year despite no claims.

I am currently experiencing challenges with my insurance provider. In January, amid documented winds reaching speeds of up to 70 mph, my property suffered significant damage with shingles dislodging from the roof. Despite the fact that the property had been inspected twice by the county prior to our purchase, the insurance company deemed the issue as attributable to faulty construction, which I find to be the initial cause for concern.Subsequently, in their efforts to mitigate the damage, the insurance company arranged for a tarp to be placed atop the affected area of the roof. Regrettably, the manner in which this was executed has led to additional complications. The tarp, significantly larger than necessary to cover the area of missing shingles, was secured with nails, resulting in approximately a hundred unintended perforations on the roof's surface.Efforts to rectify this situation have been met with prolonged discussions and finger-pointing, with the insurance company shifting blame onto the contractor responsible for the tarp installation. While this division of responsibility is understandable, it is disconcerting that these deliberations have not yielded a satisfactory resolution, leaving my property exposed to further damage.Furthermore, despite the ongoing unresolved issues with our previous insurance premium, the insurance company has unilaterally decided to double our premiums. This exacerbates the situation, particularly considering the lack of action taken to address our existing concerns.Compounding matters, the policy's stipulation regarding open claims precludes us from seeking alternative insurance providers until the current matter is resolved, effectively limiting our options and leaving us feeling disillusioned by the lack of progress and the drain on our financial resources.The handling of our claim by the insurance company has been disheartening and financially burdensome, leaving us in a precarious situation.

I cancelled a policy because they increased our home insurance to $10,917.59 USD (nearly tripled our original quote). When this happened, our mortgage company did an advance payment for the 2024 insurance. We cancelled the policy when we were 2 months into the policy year (or $1,819.59). Once we cancelled, we expected to receive a check for the prorated amount (or $9,097.99), but instead, they sent a $3,700 USD which is around *****% of what we paid for the year. This means, they gave us less than HALF of what we paid for 2024.Can someone explain to me how is this fair? This is plain robbery! Please if you are looking for an insurance company beware the refunds are "under their discretion" and not according to fair numbers.Make sure to consider first insuring your home with other companies. Very disappointed with this experience.

Horrible customer service,once you file a claim,they become ghosts, no reply or update on my claim, getting the runaround