Heritage Property & Casualty: who you’re dealing with.

We read 1,891 Civil Remedy Notices filed against Florida property insurers over denied claims. 53 of them name Heritage Property & Casualty (NAIC 14407). 6 were later withdrawn or recorded as resolved, which is what the record looks like when a carrier fixes the problem inside the 60-day window.

The Insureds immediately reported the loss to Insurer, mitigated the damages, and complied with all applicable post-loss obligations. The Insurer inspected the Property and prepared a woefully deficient initial estimate that failed to address the full scope of damages and repairs necessary to return the Property to its pre-loss condition. The Insureds' public adjuster provided the Insurer with a true and accurate estimate of the related damages, extensive detailed photographs of the damages, a properly executed sworn proof of loss, and complied with all of the Insurer's requests for documentation and information.

Given the denial, the Insured's disagreement with the coverage decision, and the scope and nature of the damage resulting from wind and hail, the Insured retained a public adjuster. After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $47,444.51 in covered damage to the dwelling. According to the claims determination letter, the Insurer's engineer observed damage to the property, but attributed the cause of this damage to several causes excluded by the policy.

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.