American Coastal Insurance: who you’re dealing with.

Generally no. American Coastal Insurance Company (NAIC #12968) writes commercial-residential master policies for condominium and homeowners associations, plus apartments — the policy the association board buys to cover the building and common elements. Individual unit owners carry their own HO-6 policies. A single loss usually implicates both layers, which is why allocation between the master and unit-owner policies is the recurring dispute.

Association claims are reported through American Coastal's claims partners; confirm the current portal and phone on amcoastal.com. To dispute an allocation or underpayment, the board should request the full claim file and the specific master-policy basis in writing, and review the policy's appraisal clause for amount-of-loss disputes. Florida gives residential property claimants generally 1 year from the date of loss to give notice and 18 months for supplemental claims (§ 627.70132) — the association's counsel should confirm the dates and the master-policy terms.