Ten Tips for Handling Insurance Claim Denials with American Integrity Insurance Company of Florida

Dealing with damage to your home or property is stressful enough. But when your insurance claim with American Integrity Insurance Company of Florida is denied, it adds a new level of frustration and uncertainty. You’ve paid your premiums on time and expected protection when you needed it most—only to be told your claim won’t be covered.

You are not alone. Many homeowners in Florida experience similar situations. But here’s the truth: A claim denial doesn’t have to be final. With the right steps and support, you can fight back and secure the coverage you’re entitled to.

At Louis Law Group, we help policyholders just like you challenge unfair claim denials and navigate the complex claims process. Below are ten tips to help you handle a denial from American Integrity Insurance Company of Florida and increase your chances of a successful outcome.

Tip 1: Carefully Review the Denial Letter from American Integrity

The denial letter you receive isn’t just a rejection—it’s a key document that outlines why your claim was turned down. Read it slowly and thoroughly. Look for:

• The reason for denial (policy exclusion, missed deadline, etc.)
• The evidence American Integrity used to make its decision
• Any deadlines for appealing the denial

Highlight any terms or explanations you don’t understand. This letter will shape your response, so it’s important to fully grasp what they’re claiming and why.

Tip 2: Understand the Terms and Exclusions in Your Policy

Insurance policies can be hard to read, but understanding your coverage is essential. Focus on:

• The Declarations Page: Shows your specific coverages and limits
• The Exclusions Section: Lists what isn’t covered (like flood damage or mold)
• Duties After a Loss: What American Integrity expects you to do after a loss

Many denials happen because of misunderstandings about what the policy covers. Take time to review these sections or ask a professional to help you interpret them.

Tip 3: Collect All Necessary Documentation and Evidence

Documentation is everything in an insurance dispute. Gather every piece of evidence that supports your claim, including:

• Photos and videos of the damage
• Receipts for repairs or temporary housing
• Contractor estimates or reports
• A complete timeline of events, from the incident to the filing of your claim

Being thorough helps you present a clear and convincing case when you appeal.

Tip 4: Take Clear Photos and Videos of the Damage

Strong visual evidence can make or break your claim. Make sure to:

• Take pictures in good lighting
• Capture wide shots for context and close-ups for detail
• Include before and after shots, if possible
• Use timestamps if your camera or phone allows

These photos prove the extent of damage and can challenge a low estimate or denial from American Integrity’s adjuster.

Tip 5: Request a Detailed Written Explanation of the Denial

If the denial letter is vague, you have the right to ask for more information. A written explanation forces American Integrity to clarify:

• The exact reason for denial
• The evidence or policy language they relied on
• Any missing documents they claim they need

Having this in writing creates a record you can use in your appeal or legal action.

Tip 6: File an Appeal Promptly and Accurately

American Integrity usually offers an internal appeal process, but there’s a strict deadline. You typically have 30 to 60 days to appeal.

When filing:

• Write a formal appeal letter, addressing their reasons for denial
• Include additional evidence they may have overlooked
• Be clear, concise, and professional
• Send your appeal by certified mail for proof of delivery

Missing a deadline can ruin your chances of reversing the denial, so act quickly.

Tip 7: Seek an Independent Adjuster’s Opinion

American Integrity’s adjuster works for the insurance company. Hiring an independent adjuster means having someone on your side. They can:

• Reassess the damage
• Provide a fair and unbiased estimate
• Strengthen your appeal with additional evidence

Independent adjusters often spot things the insurance company’s adjuster missed. Their reports can help you negotiate or fight for a fair settlement.

Tip 8: Keep a Record of Every Communication with American Integrity

Document everything. Keep a log of phone calls, emails, and letters. Include:

• Date and time
• The name of the person you spoke with
• What was discussed or promised

This recordkeeping is essential if there’s ever a dispute about what was said or promised during the claims process.

Tip 9: Be Cautious Before Accepting Any Settlement Offers

Insurance companies often offer low settlements, hoping you’ll accept quickly. Don’t rush! Before accepting:

• Compare their offer to independent repair estimates
• Consider long-term costs they may not have included
• Consult a professional (attorney or adjuster) before agreeing

Once you accept, you may waive your right to seek additional funds. Make sure the offer truly covers your losses.

Tip 10: Consult with an Experienced Insurance Attorney

If you’ve followed all these steps and still feel American Integrity isn’t treating you fairly, it’s time to speak with an attorney. At Louis Law Group, we:

• Review your claim and denial for free
• Identify if American Integrity acted in bad faith
• Handle your appeal or file a lawsuit, if needed
• Fight aggressively to get you the maximum payout

Our attorneys have extensive experience with Florida insurance companies, including American Integrity, and we know how to push back.

How Louis Law Group Can Help You

At Louis Law Group, we understand how devastating it can be to have a claim denied—especially when you’re relying on your insurance company to do the right thing. We’ve helped Florida homeowners navigate denials from American Integrity Insurance Company of Florida and recover fair compensation.

When you work with us, you can expect:

• A free initial consultation to review your denial
• Clear guidance on your legal rights and options
• Direct negotiation with American Integrity on your behalf
• Aggressive representation in court, if necessary

Don’t let American Integrity dictate what you’re entitled to. We’re here to fight for your rights and ensure you receive the compensation you deserve.

Frequently Asked Questions (FAQs)

1. Why did American Integrity Insurance deny my claim?

Common reasons include policy exclusions, missed deadlines, insufficient documentation, or disputes over the cause or extent of the damage.

2. How long do I have to file an appeal with American Integrity?

Most appeals must be filed within 30 to 60 days of receiving the denial letter. Check your letter and policy for specific deadlines.

3. Should I get a second opinion on my damage estimate?

Yes! Hiring an independent adjuster can provide an unbiased assessment and strengthen your case during an appeal or negotiation.

4. What does it cost to hire Louis Law Group?

We offer a free consultation and typically work on a contingency fee basis. That means you don’t pay us unless we recover money for you.

5. Can I sue American Integrity Insurance for bad faith?

If American Integrity has wrongfully denied or underpaid your claim in bad faith, you may have grounds for a lawsuit. Louis Law Group can help evaluate your case.

Conclusion

A denied insurance claim from American Integrity Insurance Company of Florida can feel like a major setback—but it doesn’t have to be the final word. By following these ten practical tips and seeking professional guidance, you can challenge the denial and work toward the compensation you deserve.

If you’re ready to take control of your insurance claim, Louis Law Group is here to help. We’ll guide you every step of the way so you can focus on moving forward.

Are you prepared to fight for the coverage you deserve?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.