American Modern Insurance: who you’re dealing with.

American Modern Home Insurance Company (NAIC #23469) is part of American Modern Insurance Group, a Munich Re company headquartered in Amelia, Ohio. It specializes in property the standard market avoids: manufactured and mobile homes, seasonal and secondary residences, and vacant or rental dwellings. Your claim is handled by, and paid from, the American Modern entity named on your declarations page.

Report a claim through the claims page at amig.com or the number printed on your declarations page, and confirm the current claims number on their site. To dispute a decision, request the full claim file and the specific policy basis in writing, and check whether your form settles at actual cash value or replacement cost, because that single term drives most disputes on specialty policies. Florida offers free DFS mediation for residential property claims, and most policies include an appraisal clause. In Florida you generally have 1 year from the date of loss to give notice and 18 months for supplemental claims (Fla. Stat. 627.70132); confirm your dates with counsel.