American Integrity Insurance: who you’re dealing with.

PUBLIC RECORD · DEMOTECH + SEC (AII) + FLOIR · SEE SOURCES

Who American Integrity is

American Integrity Insurance Company of Florida, Inc. is a Tampa-based homeowners insurer and the writing entity of American Integrity Insurance Group, Inc., which completed an initial public offering on the New York Stock Exchange in May 2025 under the ticker AII. It writes personal residential property, anchored in Florida and expanding into Georgia and South Carolina.

It carries a Demotech Financial Stability Rating of A (Exceptional), affirmed in July 2025; it is not rated by AM Best, consistent with most Florida-focused homeowners carriers. As a newly public company, its policy counts and financial results are now disclosed in SEC filings — a useful primary source for anyone checking the carrier’s size and trajectory.

How to reach American Integrity claims

These are American Integrity’s own published contacts. Report your loss promptly, get a claim number, and keep every confirmation — the date you give notice starts your statutory clock.

The policy-management line (866-968-8390) is separate from the claims line. Confirm current numbers on American Integrity’s own site before relying on them.

Fast growth — and what it means for a claim

American Integrity crossed 400,000 policies in force after the second quarter of 2025, up roughly 43% year over year from about 383,000 in the first quarter. That growth came from Citizens depopulation and new business as Florida’s market steadied after the 2022–23 reforms, and from expansion into Georgia and South Carolina.

Rapid growth is neutral on its face, but it has a claims consequence worth knowing: a book that adds tens of thousands of policies in a year has to scale its claims operation just as fast, and volume is where documentation matters most. The stronger your own file — pre-storm photos, an independent inspection, prompt notice — the less your outcome depends on the pace of the adjuster assigned to it.

Where American Integrity claims go wrong

Reading carrier complaint data honestly: the NAIC publishes a complaint index — a carrier’s share of complaints against its share of premium, where 1.00 is the market average. We do not publish a complaint ratio here without a primary figure to cite. What we can map is the type of dispute documented across the Florida market, each with the counter-guide that answers it:

If your American Integrity claim was denied or underpaid

A denial letter is the carrier’s opening argument, not a final ruling. The path to answer one depends on which state your property sits in:

1. Get the file. Request the full claim file and the specific policy language and inspection the decision relies on, in writing.
2. Rebuild the evidence. Pre-storm condition, wind data, and an independent inspection reverse most reclassification denials — our photo protocol is the method.
3. Escalate by state. Florida: free DFS mediation (§ 627.7015) and appraisal; South Carolina: a DOI complaint and appraisal. See our appraisal walkthrough.
4. File a complaint. Florida DFS at myfloridacfo.com ↗; South Carolina DOI at doi.sc.gov ↗.
5. Watch the clock. Florida: 1 year to give notice, 18 months supplemental (§ 627.70132). South Carolina: generally 3 years to sue. Track it with our deadline countdown.

Statutes and claim-process steps summarized as of July 2026 and drafted for education — not verified by counsel. Read your policy and verify current statute text before relying on it.

American Integrity — common questions

Independent informational resource — not legal advice, and not affiliated with or endorsed by American Integrity Insurance Company of Florida. Facts compiled from public records (Demotech, SEC/AII filings, FLOIR) and current as of July 2026; company contacts and figures change — confirm against the carrier’s own site. Statutes drafted for education and not verified by counsel.