Which insurance carriers are Florida homeowners complaining about?

Cher Luisi opens up her condo after arriving to check on it on June 8 in south Fort Myers. The condo was flooded in Hurricane Ian, and she has fought for months with her insurance company to get her payout.
Cher Luisi opens up her condo after arriving to check on it on June 8 in south Fort Myers. The condo was flooded in Hurricane Ian, and she has fought for months with her insurance company to get her payout.

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