General patterns reported on this type of claim, not specific findings about Modern USA Insurance. Every claim turns on its own policy and facts.
No. Modern USA Insurance Company (NAIC #12957) merged with and into its affiliate American Traditions Insurance Company effective 5/31/2018, and its Demotech rating was withdrawn 6/11/2018. It is no longer a separate insurer. Both were Jerger group carriers based in Pinellas Park, Florida.
Coverage obligations passed to American Traditions Insurance Company (NAIC #12359), operated through Jerger MGA. Report and dispute through the Jerger MGA portal or emergency claims line 866-270-8430; confirm the current number on jergermga.com. To dispute a decision, request the full claim file and the specific policy basis in writing. Florida offers free Department of Financial Services 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 (§ 627.70132); 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 Modern USA Insurance 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 Modern USA 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.
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