Business Profile

Property Insurance

American Integrity Insurance Company of Florida

Complaints

This profile includes complaints for American Integrity Insurance Company of Florida's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

101 total complaints in the last 3 years.
14 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:01/23/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
We in good faith paid for home owner's insurance from this company and they have considered NO DAMGAGES submitted to them for consideration. They never ever got on or roof or considered the slider damage, fence damage, etc. **** did NOT consider anything. Our field adjuster was a new home purchase inspector and had no clue about disaster inspections. Never even got on the roof.. We have paid over over 60k out of pocket so far and were told that estimated damage was below deductible of ***** by American Integrity. This company is incompetent at best. It should be a criminal offense.
Business Response
Date: 02/06/2023
******************,

Were sorry that your home has experienced damage from Hurricane ***. We have received the estimates submitted to us and will be working with ******************** to review the claimed damages for any possible supplements for covered damages.
Initial Complaint
Date:01/23/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Claim Number: CDP-******** American Integrity Insurance (AII)113 days since we filed claim,102 days since filed adjuster assessed our house,Dozens of calls (to the (6) desk adjusters)57 days since receiving an insanely ridiculous LOW BALL settlement offer of $1400. for $98,000 + of damage and loss of rental income 3 Field Adjusters now on our 6th Desk Adjuster (and counting)The insistence of AII is that the roof just needs a few shingles replaced. This is contrary to ************ licensed Florida roofing contractor License CCC# *******, **** *******, and CRC# ******* for 20+years said the roof needs to be replaced. Licensed General Contractor and licensed Florida roofer Exact Construction C**# ******* said it needed to be replaced. Desk Inspector (******) asked for justification why the roof must be replaced and both ************ and Exact construction said they would be glad to provide it but AII instantly changed desk adjuster once again and we start the process from the beginning again. Our pool cage was hit by 2 trees smashing several support members, multiple screen frames blown away, as well as most of the screening ripped away. Florida Building Code states a barrier shall be at least 48 inches above pool grade. This was NO longer in compliance, apparently AII was just fine with that, even after we notified them it was breaking the law.AII ignored any of the estimates and completely ignored the receipts we have sent them. We hired the home Inspector because we knew they didnt do a thorough job documenting the damage, that meant we as the homeowners had to do his job. But, when we are reporting damage and bills associated with the hurricane damage the desk adjuster would ignore them. We hired the ** to bid the items that needed to be repaired and again were ignored. This claim is being handled in BAD FAITH, its fraud to continue in this manner.I want my claim to be settled NOW. Respectfully,***************************
Business Response
Date: 02/06/2023
******************,

Were sorry that your home experienced damage. We are in process of finalizing our review of the supplemental information you submitted and will provide an update as soon as we can. Your adjuster will be reaching out to you to discuss the full scope being claimed. Please contact your adjuster should you need anything else in the meantime.
Customer Answer
Date: 02/21/2023

Complaint: 18866430

I am rejecting this response because: There has been NO resolution. There is no settlement and its almost 5 months since ***. I have over $62,000 in damage and ****** in lost income dur to property not rentalble. They have offered $6,400. For damages and **** for loss of income, I call that an insult and this issue is NOT resolved

Sincerely,

*************************
Business Response
Date: 03/06/2023
******************,

Thank you for reaching back out to us. We are currently conducting an engineering evaluation that will provide further information for next steps. We encourage you to discuss your claim with your adjuster if you have questions in the meantime.
Initial Complaint
Date:01/17/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I filed a claim with American Integrity within a week after Hurricane *** caused damage to my home last September. I finally received claim approval on 12/13/2022 and was told a check was in the mail (from a city 2 hours away). The check never arrived. My desk adjuster (who has actually been great and very responsive), requested another check a couple weeks ago, but that one never arrived either. I am not missing any other mail, which leads me to wonder if the checks are even being sent. I would like a check overnighted to me with a tracking number so I can get started on repairs to my home. A month has already been wasted waiting on a check thar never comes.
Business Response
Date: 01/30/2023
******************,

Were sorry that your home experienced damage from Hurricane ***. According to our records, a check was mailed out on 12/14/2022 and the replacement check was sent on 1/25/2023. If you still have not received your check, please let us know.
Customer Answer
Date: 01/31/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***************************
Initial Complaint
Date:01/17/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Im reaching out to the Better Business Bureau, regarding our hurricane *** claim CHO ******** with American Integrity Insurance Company, ************************************************************************, which was filed on October 3rd, 2022.Repeatedly I have reached out to Sedgwick Claims, who is representing American Integrity Insurance, with regards to our claim resulting from hurricane ***. A re-evaluation of the settlement stating our deductible supersedes the replacement cost of repairs. I've attached receipts and estimates for damages. Attached is the timeline of our experience, representing the the lack of response, multiple re-assignment of adjusters, long hold times trying to contact them, voicemails not returned. I am seeking that by filing this BBB claim I will receive a re-evaluation of the inspector's estimates for damages and an acceptable resolution to the damages to our home resulting from hurricane *** on September 28, 2022.I would appreciate any assistance you might be able to provide with reaching out to American Integrity Insurance for a resolution. Sincerely, Thank You
Business Response
Date: 01/23/2023
************,

Were sorry that your home experienced damage related to Hurricane ***. According to our records, your adjuster reviewed the photographs, estimates and receipts you submitted. We are currently working with the contractor to ascertain the scope and price for repairs. Your adjuster will contact you with an update and any next steps. Please reach out to your adjuster should you need anything else in the meantime.
Customer Answer
Date: 01/25/2023

Complaint: 18815973

I am rejecting this response because:
Until a final agreement is reached I would prefer the complaint to remain open.
I have spoken with the new adjuster #3, he did inform me, he is working with our vendor.
Waiting to hear back.
Sincerely,

*******************
Business Response
Date: 02/08/2023
************,

We are working to schedule a re-inspection of your damage.Once the re-inspection is completed, we can determine if any supplemental payments are due. Our Vice President of Claims has reached out to the vendor to help expedite the scheduling of your re-inspection. Please reach out to your adjuster with any questions in the meantime.
Customer Answer
Date: 02/14/2023

Complaint: 18815973

I am rejecting this response because:
The re-inspection was completed on Thursday, February 9th, 2023. The inspector said in would submit his report that evening. I notified our adjuster the inspection was completed. He acknowledged my email.
Today is February 14th, Ive not heard any update from our adjuster, Ill place a call to him this morning.

Sincerely,

*******************
Business Response
Date: 02/28/2023
************,

Thank you for following up. According to our records, your adjuster spoke with you on 2/14/2023 to discuss the pending items. Your adjuster then spoke with you on 2/20/2023 to provide an update that the supplement payment that was going to be issued in accordance with the reinspection findings. Supplement payment has been issued. Please reach out to your adjuster should you need anything else.
Customer Answer
Date: 03/06/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*******************
Customer Answer
Date: 06/23/2023
Complaint:
Im reaching out to the BBB for a response from American Integrity Insurance, I filed a claim October 2022, claim # CHO-********. My concern is, Thursday, June 22nd; I was assigned my 5th Sedgwick adjuster. We will call him adjuster #5-AS. Sedgwick is the company that American Integrity has partnered with to manage their claims resulting from hurricane **** Id been reaching out to adjuster #4-MsJ since the beginning of May to follow up on the status of my claim. It appears paperwork was lost during the transition from adjuster #3-BA to adjuster #4-MsJ. She let me know that she had received the final paperwork from our roofing company, and will process the paperwork and forward it to her supervisor. I contacted adjuster #4-MsJ, several times in May regarding status. I had asked if she could release the $4332.97 for Recoverable Depreciation, my policy has Replacement Value plus the, additional receipts in the amount of $3412.00. Friday, June 16th I received a call from my roofing company to inform me that they had placed a lien on my property even though I had paid them $29,819.05, about 80% of the total amount due. Apparently Florida Law, liens must be filled no later than 90 days from the onset of the project. Thursday, June 22, 2023, I received an email from adjuster #5-AS asking me to call him. I called him at 8:30 & 9:00 AM left 2 voicemails, then again at 4:55PM, and reached him. He said he would review & get back to me. I asked when he might get back with me, he started yelling at me, saying there is a lot of documentation to read through and he isnt going to just cut checks. I asked that he stop yelling at me. It is now 10 months since the claim was filed and would like finalize this claim.

Desired Resolution:
I would like the claim reviewed by management and finalized.
Business Response
Date: 06/29/2023
************,

Thank you for reaching back out to us. According to our records, we have issued a supplementary payment based on our evaluation of your covered damages and have been in communication with you regarding the resolution of your claim.

We disagree with the scope of work and price your contractor is estimating. Based on the known facts, we do not anticipate issuing further supplementary payments at this time. If you have additional information, please submit that to your adjuster and we would be happy to review it.
Customer Answer
Date: 06/29/2023

Complaint: 18815973

I am rejecting this response because:
One of the challenges I am having are the many reassignment of Sedgwick adjusters. Im currently on number 5. My last communication with adjuster #4, was regarding the releasing of the $4300 depreciation, since my policy was for Replacement Value not Actual Value.
Ive spoken to TC Roofing at great length this morning, again requesting an updated invoice for roof & gutters only, also reflecting the $29,819.05 I have paid them. I asked them to remove all items they did not preform. After the roof and gutters are resolved I would be happy to resubmit the additional expenses I paid out of pocket and have not been reimbursed for as to not continue this confusion.

Sincerely,

*******************
Business Response
Date: 07/06/2023
************,

As we previously advised, you are welcome to submit any additional information and your adjuster would be happy to review it.

Please note that the payments we have issued to you to you did include a release of depreciation. If you have any additional questions,please reach out to your adjuster.
Customer Answer
Date: 07/12/2023

Complaint: 18815973

I am rejecting this response because:
1) I have submitted ********* for the repair of a stucco beam. When stucco was removed there was damage to the beam. It has been repaired at a cost of $1400.00. Receipt and pictures have been submitted to our adjuster, for review and eligibility.
2) I have submitted 1 estimate for $1250.00 for the painting of gutters, downspouts & soffits, resulting from original gutters, downspout and soffits are beige, only white materials were available for repairs. Estimate has been submitted to the adjuster, for review and eligibility. Work is scheduled for early September 2023.
I believe these are the final repairs that requiring attention, prior to closing my claim.

Sincerely,

*******************
Business Response
Date: 07/21/2023
************,

Your adjuster will follow up with you to review these items.Please reach out to your adjuster should you have any questions.
Customer Answer
Date: 07/21/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*******************
Initial Complaint
Date:01/10/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I submitted my tree removal estimate and the patio items damaged from my loss at the start of my claim in September and I have yet to be compensated. The manager *********************** stated on December 1st that my tree removal estimate was sent for approval but I never heard back. Adjusters have changed three times since then. Nobody is helping me resolve my claim. New adjusters are asking for the same information over and over then disappearing for months.
Business Response
Date: 01/23/2023
*** ********

We issued supplemental payment for the covered portion of
the tree (tree removal) on 1/14/2023. For additional information about your
claim, please contact your adjuster.
Initial Complaint
Date:01/10/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Filed a claim on10-22-22 due to storm damage. Adjuster came to our home on 12-1-22 never received an itemized statement of losses! Checked our roof because we had lost some shingles said our roof was fine! Had a contractor look at it said it was very brittle and could not be replaced successfully. We have tried many times to contact ****** at claims by phone and email with no response. Contacted agent several times also,just referred us to clams dept,Not a happy client with American Integrity
Business Response
Date: 01/23/2023
Ms. ******

We’re sorry that your home has experienced damage. We
settled your claim on Dec. 6, 2022 and issued payment above the deductible
amount for the damage to your roof.

Because you expressed a concern about the roof assessment,
we are continuing to evaluate to determine if a supplement is warranted on the
claim. We received a lump sum estimate from the roofer to replace the roof on
Jan. 10, 2023. As a next step, we have requested a detailed breakdown estimate
of your roof to assist us with this determination. If you have further
questions about your claim, please contact your adjuster.
Initial Complaint
Date:01/06/2023
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 9/29/2022 I called American Integrity to file a claim for Hurricane *** damage. We needed our roof tarped. On 10/2/2022 ******* tarped our roof using sand bags. The sand bags slid off damaging our gutter and pulling it away from the house. The wind also blew the whole tarp off of the side of our house. I submitted pictures more than once of the gutter and the tarp blown completely off of our roof. In the last phone call 12/30/22 to our 3rd desk agent I emailed pics of our roof being replaced. ******, the desk agent said she was going to submit the pics for further review. She was surprised that we needed a new roof rather than patched. I explained that ***** the field agent who wrote up our claim said she was submitting for a new roof. ****** said it was not in her report. We feel like there is a lot of lying going on with this company in order to avoid paying what the client is rightfully due. Yesterday I found out we have a 4th desk agent. Had to listen to his message 3x in order to get his contact information. He called today and I missed the call. He left a voice mail stating that ****** noted she had talked to us, settled the claim and closed it out!!! THAT is a complete lie! She advised us she was sending the pics for review and the check we had gotten was a preliminary check. She would be getting back to us and also go over the figures. Due to the tarps blowing off the roof we had to have a 2nd tarp job of which we are being charged for!! We have some ceiling damage due to a leak that is not even being addressed! I don't see how this company can have an A rating and have such awful customer service and reviews. Everywhere I look there is nothing good being said! Worst mistake of my life is getting this insurance, wish I could turn back time. I would NEVER choose this company.
Business Response
Date: 01/10/2023
************,

Were sorry that your home has experienced damage from Hurricane ***. According to our records, your adjuster spoke with you on Saturday January 7th. As a next step, please send in your contractors estimate for our review. Please reach out to your adjuster should you need anything else.
Initial Complaint
Date:12/29/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Insurance reimbursement for IAN ********* damages was ******* dollars from ********* worth repairs
Business Response
Date: 01/03/2023
****************,

Were sorry that your home has experienced damage from Hurricane ***. Your adjuster should have reached out to ask you to have your roofer submit their estimate for your review. Your adjuster can also better help you understand the settlement breakdown, including any depreciation and your hurricane deductible, which (per Florida statute) is 2% of the Coverage A amount of your home.
Customer Answer
Date: 01/03/2023

Complaint: 18634966

I am rejecting this response because:

Sincerely,

***********************
Initial Complaint
Date:12/28/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This claim from Hurricane *** has been a complete nightmare. Almost every aspect of my claim was either drastically underpaid or not paid at all. A supervisor instructed my desk adjuster to correct a few things but I have paid thousands more than what they have approved. I am not able to get ahold of my adjuster or the supervisor in several weeks and I have called at least 10 times over the last two weeks. They wrote an estimate to get my pool resurfaced that was damaged by our pool cage falling in our pool. They approved a little over $3000 when in reality that process costs nearly $20,000. They have approved part of my roof but I was told that I would have to wait for the engineer report for them to write the approval to replace the rest of my roof. The part of the roof that was approved was also drastically underpaid. The original adjuster would not even get on my roof to inspect and said I had to wait for an engineer. This is one continuous roofing system and per Florida code they have to replace the whole roofing system. Not to mention I have lots and lots of damaged and broken tiles on my roof. The pool pavers that was damaged by my pool cage falling is another issue. They are suggesting that I can make a repair for several hundred dollars but these pavers are at least 15 years old and cannot be matched. Am I supposed to have a mixed match pool deck? Other issues I was under paid or not paid at all was for was my paint job, interior water repair, water purifier, damage to exterior doors, a storage shed, debris removal, ect ect ect , I pay over $3000 a year for homeowners insurance and I cannot even get somebody at the insurance company to answer my calls. I know its a hurricane but its also three months after and theres no excuse for this. I have also found that lots of people on local social media groups are complaining about the same thing with American integrity. This is unreal. I cannot believe you are doing this to people.
Business Response
Date: 12/28/2022
************,
We apologize for any delays in your claim process and we are escalating this to our claims leader to help expedite the resolution process. Thank you for reaching out to us about your claim.
Initial Complaint
Date:12/28/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Residential property located in Florida was damaged by Hurricane ***. A claim was filed on September 30, 2022. We were provided the name and contact phone number of an insurance adjuster. Numerous phone calls were made to the number provided. The calls would not go through. Finally, the adjuster contacted us. Arrangements were made for a field inspector to inspect the house. The inspector completed his report at the end of November. Our repeated attempts to get through to the claims adjuster have been unsuccessful. The claims adjuster has not provided us with information regarding our coverage, as promised. We cannot get through to the adjuster or anyone else who will answer our questions. The only phone number that will ring through is the main claims phone number. When that phone is answered, we are transferred from one person to another.
Business Response
Date: 12/28/2022
Mr. and *****************,
Can you please provide us with your claim number or address for your home in Florida so that we can work on resolving this situation for you? Thank you.

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American Integrity Insurance Company of Florida is BBB Accredited.