Kin Insurance: who you’re dealing with.

Kin Interinsurance Network is a reciprocal insurance exchange — its policyholders are the subscribers who collectively own the exchange — domiciled in Florida with a statutory home office in St. Petersburg. It is managed by Kin Insurance, the Chicago-based insurtech that runs the kin.com direct-to-consumer brand and acts as attorney-in-fact. In Florida your policy is issued and paid by Kin Interinsurance Network, NAIC #16603; Kin uses separate entities in other states.

Report a claim through kin.com/claims or Kin's claims line; confirm the current phone number on their site. 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.