Which insurance carriers are Florida homeowners complaining about?
Since January, Floridians have filed more than 7,000 complaints with state Chief Financial Officer Jimmy Patronis against their property insurance carriers. The common thread: They feel ignored or shorted by their carrier's response to Hurricane Ian claims.
Upwards of 4,000 of those complaints have been for damage to residential property; 2,500-plus have been regarding a delayed claim payment, handling of claim, or an unresponsive agent or carrier.
The top 10 homeowner’s insurance carriers in Florida by number of policies have accrued more than 3,000 complaints against them for Hurricane Ian-related claims, per records from Patronis’ office. According to the Insurance Information Institute, a nonprofit dedicated to educating the public about the insurance industry, the following carriers are the top insurers in Florida:
Top Florida insurers
Universal Insurance Holdings (643 complaints by residential property owners re: Hurricane Ian, filed Jan. 1 - July 19)
Citizens Property Insurance (921)
State Farm (189)
Tower Hill Insurance (274)
Progressive (6)
USAA (25)
First Protective Insurance (346)
HCI Group (0)
Florida Peninsula Holdings (128)
Heritage Insurance (477)
In depth: When will they pay? Floridians say state not holding insurance carriers accountable post-Ian
Insurance companies with most complaints in Florida
Heritage Property & Casualty has had 683 complaints levied against the company since October 1, 2022. Three hundred and thirty five were for delay of claim payment, underpayment of claim, no response to claims, and for cancellation due to Hurricane Ian.
Below are the top-20 insurance companies for closed complaints in Florida, from Jan. 1 to July 19:
Property Insurance Companies | Complaints |
CITIZENS PROPERTY INSURANCE CORPORATION | 1,543 |
UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY | 1,428 |
AMERICAN INTEGRITY INSURANCE COMPANY OF FLORIDA | 843 |
UNITED PROPERTY & CASUALTY INSURANCE COMPANY | 828 |
HERITAGE PROPERTY & CASUALTY INSURANCE COMPANY | 726 |
FIRST PROTECTIVE INSURANCE COMPANY | 470 |
AMERICAN TRADITIONS INSURANCE COMPANY | 376 |
ASI PREFERRED INSURANCE CORP. | 374 |
STATE FARM FLORIDA INSURANCE COMPANY | 372 |
PEOPLE'S TRUST INSURANCE COMPANY | 353 |
SECURITY FIRST INSURANCE COMPANY | 283 |
TYPTAP INSURANCE COMPANY | 226 |
KIN INTERINSURANCE NETWORK | 220 |
EDISON INSURANCE COMPANY | 219 |
SLIDE INSURANCE COMPANY | 219 |
HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC. | 202 |
FLORIDA PENINSULA INSURANCE COMPANY | 189 |
MONARCH NATIONAL INSURANCE COMPANY | 181 |
CASTLE KEY INDEMNITY COMPANY | 168 |
TOWER HILL SIGNATURE INSURANCE COMPANY | 156 |
Want to take action? Florida's insurance crisis: How do I file a complaint against my insurance carrier?
This article originally appeared on Fort Myers News-Press: Insurance carriers drawing the most complaints from Florida homeowners