Auto Club Insurance Company of Florida (AAA): who you’re dealing with.

We read 1,891 Civil Remedy Notices filed against Florida property insurers over denied claims. 6 of them name Auto Club Insurance Company of Florida (AAA) (NAIC 12813). 2 were later withdrawn or recorded as resolved, which is what the record looks like when a carrier fixes the problem inside the 60-day window.

However, the Insurer wrongfully determined that it would only require $4,582.86 to restore the insured property to its pre-loss condition. After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $101,319.01 in covered damage to the dwelling. According to the claims determination letter, the Insurer's engineer observed damage to the roof and the interior but attributed the cause of this damage to several causes excluded under the policy.

Subsequently, the insured prepared a loss package in the amount of $90,788.04 needed to restore the property back to its pre-loss condition. Whereas, the carrier wrongfully represented the damages to the insured's property to be below the policy 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 $90,788.04, less any prior payments and 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 finally made.

Counts are filings naming the insurer, matched on NAIC code. They follow book size as much as behaviour: a carrier with more Florida policies collects more filings. Each is an allegation by a policyholder, not a finding.