- •Heritage Property & Casualty (NAIC #14407) writes in Florida, South Carolina, Georgia, North Carolina, and Alabama — one of the few carriers here active in both our launch states.
- •Its parent, Heritage Insurance Holdings, trades on the NYSE as HRTG and files public financials.
- •The group reported 357,275 policies in force and ~$1.4B annualized premium as of Dec 31, 2025.
- •Rated Demotech A’ (A Prime), affirmed June 2026 — not AM Best. In Dec 2025 it announced a FLOIR-approved FL rate decrease of up to ~10%.
- •Its claim disputes track the market: wear-and-tear, wind-driven rain, ACV holdbacks, and surge-vs-wind allocation.
PUBLIC RECORD · DEMOTECH + SEC (HRTG) + FLOIR · SEE SOURCES
Who Heritage is
Heritage Property & Casualty Insurance Company is the Florida-and-Southeast writing entity of Heritage Insurance Holdings, Inc., a publicly traded super-regional property and casualty group listed on the New York Stock Exchange under the ticker HRTG. The company is headquartered in the Clearwater / Tampa area and writes residential and commercial property across Florida, South Carolina, Georgia, North Carolina, and Alabama, with the parent group extending further through affiliated carriers.
It carries a Demotech Financial Stability Rating of A’ (A Prime), affirmed in June 2026; it is not rated by AM Best. As of December 31, 2025 the group reported 357,275 policies in force and roughly $1.4 billion in annualized premium across all subsidiaries and states — a figure that spans the whole holding company, not the Florida entity alone. Heritage has also reopened to new Florida homeowners business after tightening during the market’s hard years.
How to reach Heritage claims
These are Heritage’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.
Confirm the current numbers on Heritage’s own site before relying on them — contact details change.
A carrier in both launch states
Heritage matters to this site because it is one of the few carriers here writing in both Florida and South Carolina. A coastal homeowner from the Grand Strand to the Gulf may hold a Heritage policy — and the claim rules differ across that state line. Florida runs on statutory claim deadlines and free DFS mediation; South Carolina runs on contractual deadlines, a 3-year suit period, and the improper-claims-practices law (S.C. Code § 38-59-20). The carrier is the same; the playbook you use to challenge it is not.
In December 2025 Heritage announced a FLOIR-approved rate decrease of up to nearly 10% for its Florida policyholders — a public data point on how the carrier reads its Florida risk after the 2022–23 reforms. Rate movement does not change the coverage in a policy already in force.
Where Heritage 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 FL and SC markets, each with the counter-guide that answers it:
The recurring arguments — and where they’re answered
These are dispute patterns documented across FL and SC property claims, not carrier-specific accusations.
Storm-creased shingles reclassified as age — the most common wind denial in both states.
Rain through a wind-created opening is covered; the fight is proving the breach.
Depreciation withheld on a replacement-cost policy — recoverable, if you claim it.
Patch scope where Florida’s matching rule (§ 626.9744) can require the whole slope.
First-visit estimates that miss decking and interior scope, closing the claim unpaid.
Rising water is excluded; the allocation between wind and flood decides who pays.
Dispute types drawn from the /denials/ and /coverage/ libraries. No complaint ratio asserted. Drafted, not verified.
If your Heritage 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:
- Get the file. Request the full claim file and the specific policy language and inspection the decision relies on, in writing.
- Rebuild the evidence. Pre-storm condition, wind data, and an independent inspection reverse most reclassification denials — our photo protocol is the method.
- Escalate by state. In Florida, free DFS mediation (§ 627.7015) and appraisal; in South Carolina, a DOI complaint and appraisal. See our appraisal walkthrough.
- File a complaint. Florida DFS at myfloridacfo.com ↗; South Carolina DOI at doi.sc.gov ↗.
- 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.
Heritage Insurance — common questions
What is Heritage’s NAIC number and claims phone?
The Florida entity, Heritage Property & Casualty Insurance Company, carries NAIC company code 14407. Heritage’s Claims Center lists a toll-free filing line of 1-855-415-7120 and a claims-representative line of 1-855-536-2744, with online reporting at heritagepci.com/claims-center. Confirm the current numbers on Heritage’s own site before relying on them.
Does Heritage write in South Carolina as well as Florida?
Yes. Heritage Property & Casualty Insurance Company writes in Florida, South Carolina, Georgia, North Carolina, and Alabama, and its parent group extends further through affiliated carriers. That makes Heritage one of the carriers a coastal homeowner in either of our launch states — FL or SC — may actually hold a policy with.
Is Heritage financially stable?
Heritage Property & Casualty holds a Demotech Financial Stability Rating of A’ (A Prime), affirmed in June 2026. It is not rated by AM Best. Its parent, Heritage Insurance Holdings, is publicly traded on the NYSE (ticker HRTG) and files public financial reports; as of December 31, 2025 the group reported 357,275 policies in force and roughly $1.4 billion in annualized premium across all subsidiaries and states.
Did Heritage change its rates in Florida recently?
Yes. In December 2025 Heritage announced a FLOIR-approved rate decrease of up to nearly 10% for its Florida property and casualty policyholders. Rate changes do not alter the coverage already in a policy in force, but they are a public signal of how the carrier reads its risk.
How do I dispute a Heritage claim decision?
Request the full claim file and the specific policy basis in writing. In Florida, free Department of Financial Services mediation is available for residential property claims (Fla. Stat. § 627.7015), and most policies include an appraisal clause. In South Carolina, the Department of Insurance takes consumer complaints and the state’s improper-claims-practices law (S.C. Code § 38-59-20) governs carrier conduct. Watch your deadlines — Florida runs on a 1-year notice / 18-month supplemental window (§ 627.70132); South Carolina generally allows 3 years to sue on the contract.
- HERITAGEHeritage — official site ↗
- HERITAGEHeritage — Claims Center ↗
- DEMOTECHDemotech — Heritage Property & Casualty (NAIC 14407), rating A’ ↗
- HRTG / SECHeritage Insurance Holdings (NYSE: HRTG) — investor relations / Dec 2025 FL rate decrease ↗
- FL OIRFLOIR — residential market share reports ↗
- FL LEGISLATUREFla. Stat. § 627.7015 — DFS mediation of property claims ↗
- SC DOISouth Carolina Department of Insurance — consumer complaints ↗
Independent informational resource — not legal advice, and not affiliated with or endorsed by Heritage Property & Casualty Insurance Company. Facts compiled from public records (Demotech, SEC/HRTG 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.
Heritage claim denied, delayed, or underpaid?
Upload the denial letter or estimate and your declarations page. You’ll get a straight read on which argument Heritage is running — and whether it survives the evidence you can still build, in Florida or South Carolina.
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