Homesite Insurance: who you’re dealing with.

We read 1,891 Civil Remedy Notices filed against Florida property insurers over denied claims. 5 of them name Homesite Insurance (NAIC 17221).

Specifically, the Insureds, with assistance from their public adjuster, submitted an estimate for $69,597.83, which was a fair and reasonable assessment for the repair/replacement of damages. The carrier only offered to pay $0.00, after applicable deductible of $7,960.00, a gross underpayment for all the damage associated with this claim. Carrier can cure the defects outlined in this Civil Remedy Notice and avoid a lawsuit for bad faith by immediately accepting full coverage under the subject insurance policy for this claim and by paying Insureds' estimate of damages $69,597.83, and Loss Restorations LLC in the amount of $10,123.26, less applicable deductible and prior payments, which is the reasonable amount of the covered loss pursuant to the policy.

HOMESITE was notified of the Loss and was granted access to the property in order to complete their inspection. On May 28, 2024, [name redacted] a senior claims examiner on behalf of HOMESITE authored a letter to the Insured ("Coverage Letter") stating that the damages were not covered under the policy and that no payment was forthcoming. After being provided plenty of evidence (including photos, estimates, and immediate access to the property upon discovery) showing that damage from a windstorm event occurred at the property that will require extensive repairs, HOMESITE continues to refuse to provide any money in order to complete these repairs.

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.