American Integrity Of Florida: the denial record

Tender payment to the Morrisons in the amount of $363,064.19, which is the amount to return the Morrisons' home back to pre-loss condition.

A field adjuster inspected the property on November 12, 2022, and based on his findings, American Integrity prepared an itemized estimate of damages through its representative, James "Scott" Hallbrooks, in the amount of $31,403.64.

The Insured and Insured's representative provided the Insurance Company with all claim-related documents including an estimate to repair covered damages in the amount of $239,269.32 and other supporting documentation and/or information.

After the carrier's inspection, AMERICAN INTEGRITY INSURANCE COMPANY OF FLORIDA opened coverage for the loss and offered a miniscule payment of $92,542.68 to repair all the damages.

After the carrier's inspection, AMERICAN INTEGRITY INSURANCE COMPANY OF FLORIDA opened coverage for the loss and offered a miniscule payment of $1,436.17 to repair all the damages.

However, when the Insurer conducted its inspection of the insured property, the Insurer's representatives failed to conduct a thorough and adequate investigation, or the representatives intentionally ignored the damage observed and failed to make truthful and unbiased reports of the facts after inve

The insured has been compelled to obtain an independently adjusted estimate totaling in the amount of $171,143.78 that would be needed to repair the property back to its pre-loss condition.

INSURER inspected the property and accepted coverage for the claim, however they estimated the loss to total just $18,288.25, which was under the INSUREDS' hurricane deductible of $23,940.00 so no payment was tendered.

THE DEWELLING PAYMENT TOTALED $32,099.55 ACV AFTER THE DEDUCTIBLE WAS APPLIED.

FAIRWINDS CONSTRUCTION SERVICES, LLC ESTIMATED THE DAMAGE TO THE INSURED'S PROPERTY AT $144,023.90 (RCV)/$138,564.29 (ACV).

Whereas, the carrier furnished a wrongful estimate and, having withheld the deductible, offered a deficient payment in the amount of $19,289.10 only, leaving a remainder in the amount of $103,733.81 to be paid in order to cure the breach, less any applicable policy deductible.

Specifically, the Insureds, with assistance from their public adjuster, submitted an estimate for $108,888.99, which was a fair and reasonable assessment for the repair/replacement of damages.

Subsequently, the insured prepared a loss package in the amount of $105,060.20 needed to restore the property back to its pre-loss condition.

A contractor prepared an estimate of the necessary repairs required from the loss totaling $104,513.87 RCV and $91,117.89 ACV, which is significantly more than the payment received.

After assessing the damage and the true scope of repairs, the contractor prepared an estimate identifying $99,972.61 in covered damage to the dwelling, $665.[address redacted]ructures, and $1,936.30 in damage to contents.

Paying the full claim amount of $96,916.03 as supported by the sworn proof of loss and repair estimates. 2.

Therefore, demand is hereby made as follows: Estimate $92,966.38 Less Deductible $1,000.00 Less Prior Payments $10,071.85 TOTAL $81,894.53.

THE LETTER STATES THAT AMERICAN INTEGRITY DID NOT FIND ANY WIND DAMAGE TO THE ROOF CAUSED BY THE HURRICANE, AND THEREFORE ANY DAMAGE TO THE ROOF AND INTERIOR WOULD BE DENIED.

The Insurance Company performed a cursory inspection and failed to retain the unbiased experts necessary to adequately inspect the property to restore the property to its pre-loss condition.

On or about March 26, 2024, the PA submitted a comprehensive and detailed estimate of damages to the Insurer, totaling approximately $68,917.43.

Indeed, an estimate for repair of all damages with respect to her claim was prepared on behalf of Ms. [name redacted] for $68,354.20 and was submitted to American Integrity; well above the amount from American Integrity.

Whereas, the carrier has failed to prudently inspect the insureds' property, come to a fair coverage determination and promptly pay the claim.

Moreover, PPC determined that at least $56,033.38 worth of repairs would be required to return the property to its pre-loss condition as a result of the windstorm loss.

After assessing the damage and the true scope of repairs, the public adjuster prepared an estimate identifying $54,438.19 in covered damage to the dwelling.

An estimate found damage totaling $54,431.00, emphasizing the actual total damage there is to the Property.

Gonzalez produced an estimate amounting to $53,060.00 for Actual Cash Value and $54,383.86 for Replacement Cost Value.

The insured subsequently submitted a detailed loss package with extensive supporting documentation in the amount of $ 48,154.00 which is needed to restore the property back to its pre-loss condition to the carrier.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $47,571.98, less any applicable deductible and prior payment to the Insured, to complete the repairs for the Insured property.

On November 25, 2024, Insured received a check in the amount of $6,811.66 which accounted for Insured's $7,380.00 deductible.

After the inspection, the public adjuster provided an estimate for repairs in the amount of $40,946.48, with an additional damages for ensuing water damages to the property.

Co., 225 So. 3d 974 (Fla. 3d DCA August 30, 2017) (insurance carriers are not entitled "to unilaterally determine, as a matter of law, actual cash value or replacement case value.") When Insurer failed to pay the benefits owed, Insured was left with no recourse other than to pursue full indemnity in

The cost of this replacement has been estimated at $36,175.97 by the insureds' public adjuster.

American Integrity initially made a low-ball coverage decision that broadly ignored the damage sustained to the Property valuing the damage at $915.01 which is less than $1000 deductible.

Therefore, to cure the defects outlined in this Civil Remedy Notice, the carrier must: 1) Pay the complete covered loss in the amount of $30,450.00 less any applicable policy deductible; and 2) Pay the statutory interest on the amount of unpaid damages from the date of loss to the date payment is fi

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $28,839.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

The Insured and Insured's representative provided the Insurance Company with all claim-related documents including an estimate to repair covered damages in the amount of $27,702.77 and other supporting documentation and/or information.

American Integrity based its coverage decision on an October 10, 2022 estimate and determined that the covered loss was $7,288.74 but did not issue payment.

Notably, Carrier's coverage position letter failed to reference any limiting or exclusionary provisions of the Policy which would apply, nor the applicable deductible of $11,850.00, despite conceding to $19,998.27, in covered repairs.

The Insurer was provided with an estimate; however, the Insurer still failed to properly evaluate this claim and promptly settle although it has become reasonably clear that it should do so.

AMERICAN INTEGRITY INSURANCE COMPANY OF FLORIDA can cure the violations contained herein by issuing a payment for all contractual damages owed, per estimates of $15,962.[address redacted]us interest, costs, and attorney's fees.

During the course of American Integrity's investigation, the Insured made the property available for inspection, provided facts and information surrounding the loss, and complied with American Integrity's adjustment of the claim.

During the course of American Integrity's investigation, the Insureds made their property available for inspection, provided facts and information surrounding the loss, and complied with American Integrity's adjustment of the claim.

The Carrier performed a cursory inspection of the Insured Property and failed to retain unbiased experts necessary to scope the entirety of the Loss and covered repairs necessary to restore the Insured Property to its pre-loss condition.

AMERICAN INTEGRITY INSURANCE COMPANY OF FLORIDA failed to meet its contractual obligations pursuant to the terms of the Policy.

Upon learning of the damage, Insured promptly reported a claim for damage to Insurer.

Rather than inspecting the property and evaluating the damage in a prudent manner or making any good-faith effort to investigate the claim, the carrier incorrectly undervalued/under scoped the damages and partially denied the claim.

To date, carrier has failed to issue the statutorily required coverage determination following the completed inspection and adjustment of the loss.

The estimate was so low it did not eclipse the deductible and no payment was issued.

Carrier has failed to respond to our [address redacted]atus update following the completed inspection.

To date, AIIC has refused to remit all proceeds due and owing to the Complainant for her loss, despite Complainant's compliance with her post loss obligations, and despite AIIC's receipt of an estimate contradictory to its unilateral assessment of the loss' value.