American Traditions Insurance: who you’re dealing with.

American Traditions Insurance Company (NAIC #12359) is a Pinellas Park, Florida carrier formed by the Jerger family and operated through Jerger MGA. It is the largest manufactured-home insurer in Florida and also writes homeowners, condo, renters, and dwelling fire, holding a Demotech A' (Unsurpassed) Financial Stability Rating. Your claim is handled by, and paid from, American Traditions Insurance Company.

Modern USA Insurance Company, an affiliate in the same Jerger group (NAIC #12957), merged with and into American Traditions Insurance Company effective 5/31/2018, and its Demotech rating was withdrawn 6/11/2018. If you held a Modern USA policy, coverage obligations passed to American Traditions — report and dispute through Jerger MGA.

Report a claim through the Jerger MGA customer portal or emergency claims line 866-270-8430; confirm the current number on jergermga.com. To dispute a decision, request the full claim file and the specific policy basis in writing. Florida offers free Department of Financial Services mediation for residential property claims, and most policies include an appraisal clause for amount-of-loss disputes. In Florida you generally have 1 year from the date of loss to give notice and 18 months for supplemental claims (§ 627.70132) — confirm your dates with counsel.