General patterns reported on this type of claim, not specific findings about Amica Mutual. Every claim turns on its own policy and facts.
Amica Mutual Insurance Company (NAIC #19976) is a mutual insurance company, which means it has no shareholders and is owned by its policyholders. It was founded in 1907 and is headquartered in Lincoln, Rhode Island. Its affiliate, Amica Property & Casualty Insurance Company, writes some policies under the same brand. AM Best rates the Amica group A+ (Superior). Check your declarations page for the entity that issued your policy; that company is the one that adjusts and pays the claim.
Report a home claim to 800-242-6422, the 24/7 line amica.com lists for auto, home, marine and umbrella; confirm it on their site before relying on it. To dispute a decision, request the full claim file and the specific policy provision relied on, in writing. Florida offers free Department of Financial Services mediation for residential property claims and most policies include appraisal for amount-of-loss disputes; South Carolina complaints go to the SC Department of Insurance under S.C. Code Title 38, Chapter 59. Florida generally allows 1 year from the date of loss to give notice and 18 months for supplemental claims (Fla. Stat. 627.70132), and South Carolina's contract limitation is 3 years. Confirm your dates with counsel.
Their official links, how to file a complaint with the state, and where to take the fight if a claim was denied or underpaid.
Official Amica Mutual pages, for reference. Confirm phone numbers and claim steps on the carrier’s own site.
Not legal advice, and not affiliated with or endorsed by Amica Mutual Insurance Company. Facts compiled from public records (NAIC, state regulators, the carrier) and current as of July 2026; company contacts and figures change, confirm against the carrier’s own site.
Upload the denial letter or estimate and your declarations page. A property-insurance attorney reviews it and tells you where you stand, free, no obligation.
HURRICANELAW.PRO A comprehensive property-insurance claim resource for policyholders: denied and underpaid claims, coverage and bad-faith law, storm dossiers, carrier profiles, city guides, and the complete claims playbook. Florida and South Carolina.
▸ SEE THE FULL SITE MAP →Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only: they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
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