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American Integrity Insurance Group Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Nov 30, 2018

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One of many recent entrants into the Florida homeowner’s insurance market, American Integrity tries to differentiate itself by promising to live up to its name. Voted the best place in Tampa Bay to work, in 2014, the company aims to take care of customers as well as it does its employees.

American Integrity Summary

Founded in 2006, American Integrity is one of the many new, local insurance companies in Florida that have moved into the market following strain on the insurance industry that resulted from multiple hurricanes. The company is headquartered in Tampa Bay, and currently serves only the state of Florida.

American Integrity is focused on the home insurance market, writing a small selection of standard home, condo, and manufactured home products. More recently, the company also offers cyber , golf cart, and flood coverage. American Integrity sells their policies through independent agents. American Integrity is one of many insurance companies who are involved in the Citizens Takeout program, which is reducing the policy load on Florida’s last-resort property insurer by offering policyholders a transfer to a new insurance company.

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Insurance Products

American Integrity Insurance writes several types of coverage for homeowners in Florida, from higher value homes to manufactured homes.

Home Insurance

American Integrity’s standard homeowner’s insurance covers replacement cost for the home, personal property coverage, and personal liability for protection from negligence suits.

They also offer many endorsements, which increase the standard package policy including:

  • Identity theft protection
  • Equipment breakdown coverage
  • Bundled Coverage
  • Flood Insurance

Identity theft is also available as an endorsement on its own, which can be added to any of American Integrity’s home insurance policies.

American Integrity also writes high value home policies under their Premier plan to cover houses valued between $750,000 and $10 million. These policies include higher-value personal property coverage for items such as jewelry, fine art, and more. The Gold Reserve Endorsement can also be added to a Premier policy.

Dwelling Fire

American Integrity offers two levels of Dwelling Fire coverage, a more limited form of home coverage that is often known as landlord’s insurance since it covers the structure but less in the way of personal property.

  • DP-1 policies are the most minimal version offered by American Integrity and offer actual cash value coverage for the home. DP-1 is named perils only, which means that it does not cover as many risks. American Integrity will write this type of policy for vacant homes as well.
  • DP-3 policies are a more comprehensive version of dwelling fire coverage that covers more perils and includes more options.

Manufactured Home

American Integrity covers manufactured homes for structure, personal property, and liability, much like a homeowner’s insurance policy, but designed for the specific needs of manufactured homes. Policy options are offered depending on the type and location of the home.

Condo Insurance

Condo policies are designed specifically for the needs of condos, covering everything about the structure that isn’t covered by the condo association policy, as well as personal property and liability. American Integrity also offers its Gold Reserve Endorsement for condos.

Flood Insurance

American Integrity offers flood insurance policies to protect Florida homeowners. The company website states that their rates are up to 15% lower than those through the National Flood Insurance Program (NFIP). Their is no waiting time for the flood insurance to go into effect and American Integrity offers higher limits than the NFIP. Flood insurance is an available option for particular policies are certain areas. It is best to check with an agent for eligibility.

Cyber Coverage

One of the first companies in the nation to offer such a product, cyber protection coverage is becoming increasingly necessary. Currently only available with the American Integrity’s renter’s insurance product, American Integrity offers up to $25,000 for cyber attacks, cyber extortion events, or online fraud events.

American Integrity Insurance Rates

American Integrity Insurance is a relatively small insurance company serving only Florida, a market that has faced high home insurance rates due to major hurricanes in past years. Small insurance companies like American Integrity have moved into a market that some larger insurance companies pulled out of, offering rates that are more affordable. However, small insurance companies unable to offer multi-line discounts can still find it difficult to offer competitive rates.

American Integrity does offer online quoting for home or condo insurance. The website confirms that they do not share your personal information with third parties. Once the quote has been obtained, the user has the option to request a call from an agent or save the quote for a later time.

Claims

American Integrity offers multiple methods of reporting a claim. There is a 24-hour claims line through which policyholders can contact the claims department directly to report and discuss claims. An online claims form is also available which allows policyholders to report the claim and provide information through the website, after which a claims representative will respond and contact the homeowner for more information.

The Home Claims FAQ page on the company website offers a basic overview of common questions and procedures in the company’s claims system. This includes what can be done when a policyholder does not agree with the company’s decision in a claim. A team of local adjusters, prepared to deal with common Florida occurrences including hurricanes, handle claims.

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Consumer Research and Complaints

American Integrity Insurance has been Better Business Bureau accredited since 2012. The company has a BBB rating of A+ based on the multi-factor rating system that includes complaints, company longevity, and financial stability. There have been 46 complaints against American Integrity to the BBB in the past 3 years, 20 of which have been closed in the past 12 months. There are no government actions against the company.

The Florida Office of Insurance Regulation tracks complaints against insurance companies, and shows a total of 49 complaints for American Integrity in the fourth quarter of 2016. This is the most recent data available. That is a complaint ratio of 1:4833, or one complaint for every4833 policies American Integrity has in force. The ratio is a little on the higher side for a company this size.

Financial Strength

Rating Company Grade Financial Outlook
AM Best N/A N/A
Fitch N/A N/A
S&P N/A N/A

Bottom Line

American Integrity is a recent entrant into the property and casualty market in Florida, helping to fill a void left my national insurers who pulled out after multiple hurricanes. While they are likely to be competitive for Florida homeowners who have had trouble with high rates or difficulty obtaining insurance in the past, lower risks may do better with a larger company, especially one that offers other lines of business for increased discounts. American Integrity’s reputation as a good employer lends strength to the reputation they are looking to build with Florida homeowners.

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Review Information

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American Integrity Insurance Group
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

68 Comments

  1. American Integrity is just a money-making scheme – they have no intention of insuring anything!

    I just got the policy on September 30, 2019.

    Today (October 23, 2019), I go to make premium payments and notice a new document posted on October 17, 2019.

    It is a notice of cancellation!

    Unless I provide a final roof inspection before November 11, 2019, proving my roof was replaced within the last 15 years they are canceling my policy.

    Three things wrong here:

    1) my house is only 13 years old;

    2) No warning whatsoever from the company or my agent that this would be a prerequisite for insurance;

    3) if I had not opened this document on-line, I would not even know about this.

    This company is just trying to rake in the money without actually insuring anything!

    Stay clear!

    Reply
  2. Do NOT insure your home with this company. They are the most unprofessional insurance company, and will gladly take your premiums, but not pay out on your claim! We had a claim from 10/3/2017 that was initially approved, and then, just as we were preparing to start the repairs, they changed their minds and denied the claim. We have hired a public adjuster and a lawyer, and, now, what they have taken to doing is scheduling depositions and canceling them the night before they are about to happen. They have done this THREE times already, with hopes of us going away…needless to say, we ARE NOT going away, and they will have to face us at some point. Above all this, they employ the most unscrupulous contractors to process claims who misrepresented themselves to our contacts, were accusatory, and totally unprofessional. I’ll forever regret purchasing this policy, as we have been a hostage to their terrible business practices for the last 17 months. Save yourself the grief and go somewhere else with your home insurance needs.

    Reply
    • I too had to hire a lawyer to get these crooks at American Integrity to honor a hurricane damage claim. This insurance company is just awful and should be put out of business. Keep fighting until they pay and then run as fast as you can from these criminals.

      Reply
      • I have had an open claim with them since 10/18 after hurricane Michael.

        Finally hired a lawyer in May 2019 and they just drag their feet forever.

        I hate them. Has anyone settled successfully with these crooks?

        Reply
    • Unfortunately, you are spot-on. We had the same experience. We fought until the bitter end and finally got a settlement after hiring an attorney. Misrepresentation during State mediation, lies, “changing their mind” after offering a check settlement, etc. Atrocious! They should not be in business and I don’t know how they even still are.

      Reply
    • Guess I should feel lucky.

      I only gave them a $219 down payment before I found out what crooks they are.

      I have a 13-year-old home I just insured with them on September 30, 2019.

      When I go to make my October payment, I notice a new document in my on-line account.

      Open it up and see it is a notice of cancellation if I do not provide proof that my roof passed final inspection with the last 15 years (remember my home is only 13 years old).

      What con artists!

      Guess I have to research new insurance companies again because I would not trust this company even if we are able to resolve this fiasco!

      Reply
  3. I filed a roof claim in Oct 2018, I had two adjusters look at the roof and they marked all the damaged areas and loose shingles and took photos. AII sent out an adjuster he did the same and told me I most likely need a new roof but it was up to AII, he had marked 17 areas as bad or damaged. AII then sent out a second company [Redacted] to review the roof after not agreeing with their own adjuster. This adjuster stated I had 10 plus damaged shingles but over 50 % were no longer sealed and were loose. After 30 days I contacted AII and they stated that the [Redacted] report stated that there were only 10 damaged singles and offered me $546.00 to settle the claim. I plan on filing a appeal. I would warn others to stay away from AII.

    Reply
    • If you give these robbers your money you’re a fool. I am being screwed right now. Spread the word.

      Reply
      • Contact [Redacted]. They helped us. This company is the worst.

        Reply
    • I submitted costs that were approved to American Integrity. They sent a check. The check bounced and I was charged $12.00. Since it is Christmas I haven’t spoken to anyone but will assume that they will give me some asinine excuse. I don’t know if I will get another check, but I do know that I will find another insurance company since my policy ends 2/2018. Maybe they are thieves, maybe rats, maybe another AIG but I am finished with them.

      Reply
  4. I am glad I checked this website. I am officially bent over by these people. Some interior water piping burst inside of one of my four rental properties. Surprise!!! NOT COVERED. When we contacted them one of their agents stated you are covered for VOLCANOS, FALLING AIRPLANE PARTS, RIOTS, ETC. Total B.S. since we live in Niceville Florida. Thanks for the advice to use an adjuster.

    Reply
  5. Any & every company has dissatisfied customers. Did any of you base your damage from a “door knocker” in your neighborhood? Do any of you have an older roof & you were hoping to get your insurance company to replace your roof as if it is a maintenance policy & got mad because they did not? Did you have other offers from your agents when you took the policy, but the others were too pricey, so you went with AIIC? If you have a complaint here, have you ever went online & given ANY company kudos for the GOOD work they have done? Stop believing you will put this company out of business in Florida. We have enough companies that are “fly by night” in this state. American Integrity insures thousands & thousands of people & there are always insured’s that are not happy with what they get, just saying.

    Reply
    • Not so. Trying to save yourself from being out of a job? An AI employee perhaps? Attorneys will tell you they’re the worst company with the most complaints in the entire state. If you didn’t experience it then keep your yapper shut because you don’t know what you’re talking about. You didn’t spend hours and hours on the phone trying to get answers with no return calls, no help. If you had a good experience then good for you-you’re the exception and not the rule. But don’t come on here blasting victims you [redacted]. You’re not the one waiting for a roof while all of your neighbors who had different insurance companies already had theirs replaced months ago after the hurricanes. And yes I have given many kudos to other companies so stuff your judgemental attitude!

      Reply
  6. American Integrity is the absolute worst company I have ever dealt with. Their administrative process is a complete failure and their response to any issues is untimely to nonexistent. I called to cancel my policy on the 1st of September, 2017 and followed up with written notice as suggested by my agent. I then mailed evidence of that cancellation and copies of follow up emails. American Integrity notified me by letter that my policy was formally canceled because of non-payment of my premium on 02//07/2018. They refused to issue any rebate for the remainder of the policy. American Integrity should be investigated for fraud and incompetence.

    Reply
    • Has anyone joined a class action? They just denied my appeal and they told my lawyer to go ahead and sue.

      Reply
      • Don’t do a class action. Proceed with suing them. We just finished the process. It takes time but make them pay!

        Reply
        • Hi, Jack can you give me a few details about the lawsuit if you don’t mind? I
          have also hired an attorney and I am still waiting to hear back from him. I just want to know if you have an idea about how long it would take for the process to be over? Hurricane season will be here soon and I still have a tarp on my roof, also have you or anyone else in the group, changed your insurance? Or do you still have American Integrity? I’m afraid to change them please let me know .Thanks Sherry

          Reply
          • Yes, we sued and settled out of court. It took about a year and we dropped the jerks a long time ago. Don’t be afraid to drop them—-they don’t honor your coverage in the first place so what good are they? We had to pay for all of our repairs out of pocket. It’s a shame and disgrace. The State did nothing so that’s a waste of time. Stick with your attorney, it’s your only hope.

        • Did you sue? Please tell me how it went.

          Reply
  7. American Integrity Insurance nothing but legal Crooks!
    Just got my yearly renewal bill from them last year was $1,000 their new bill for 2018 coverage $1,667 that is over a 60% increase in one year. I’ve never had a claim. They have left me with no choice but to shop around and I found Florida specialty insurance. Their quote was $800 and more and better coverage.

    Reply
    • florida specialty is in receivership

      Reply
  8. I placed my claim over 2 years ago after a hail storm. The roofers stated there was sufficient damage, the insurance denied the claim. Everyone around me got their roof replaced and I can’t get anyone from this company to talk to me. I feel [redacted]. Still paying premiums but can’t get a response to a legitimate claim. Let it be known that I have owned homes for over 20 years and this is my first claim ever.

    Reply
    • Everything you just said is exactly what we are going through. We had considerable damage from Irma. Our claims adjuster just disappeared, and we had no contact for 3 months. Then we suddenly heard from our new adjuster, who has basically acted as though a hurricane never caused any damage. Our roof has been tarped since Irma, and the AI is the one who tarped it, yet AI is basically claiming the damage was not caused by Irma. Our new adjuster with AI has actually been trying to get us to file new, separate claims. Our new adjuster has been condescending on the phone to both my husband and I. I am dumbfounded by the lack of professionalism and courtesy in general. We are contacting our state senator [Redacted], and Governor, [Redacted]. I suggest you do the same.

      Reply
  9. Customers who have been treated unfairly by American Integrity Insurance can contact the Insurance Commissioners Office and file a complaint. If enough people raise their concerns, maybe we can get them shut down in Florida. [Redacted] will be helpful in settling your claims. Please call them even if your claim has been outright denied by AI. The Insurance Commissioners Office is advocating for me. If they are unable to get my claim settled, [Redacted] will. Either way, the Insurance Commissioner needs those complaints in order to take administrative action against AI. In my opinion, they are by far the absolute worst insurance company in Florida and they need to be shut down. They are still holding our premium hostage. Our Insurance Agency advised that they can’t cancel the policy with AI and bind new coverage while there is an open unresolved claim. Our premium continues to be paid under duress. Our hurricane Irma claim has been hanging in limbo for over 4 months. AI has barely corresponded. They won’t answer the phone and will not respond to email messages. A couple of times I was able to speak with them by phone, I was told a check would be cut and sent the same day. They were lying. It never happened. Please call the Insurance Commissioners Office. They are our best advocates.

    Reply
  10. American Integrity are crooks. They sent an adjuster after Hurricane Irma and determined my roof and fence needed to be replaced and would cover the damage. That was the last time I have heard from them. They completely abandoned me and refuse to answer my phone calls and emails. I have always heard of these shady insurance companies trying to screw you after filing a claim and I can tell you American Integrity is one of them. I had no choice but to hire an attorney to assist me in my claim. My attorney says he has a stack of American Integrity customers going through the same situation with this company. Beware of American Integrity Insurance !!!! They will collect your premiums for years with a smile and when you call them to file a claim they will completely abandon you.

    Reply
  11. HORRIBLE COMPANY! No integrity to be found. Find any other company. Trust me, I have a brain.

    Reply
  12. I filed a claim for my roof and air conditioner after Hurricane Irma. My air conditioner is installed on the roof and had been serviced a month before. My roof is 10 years old and had no leaks until after this storm. American Integrity totally denied the roof claim due to what they considered wear and tear however, they did approve the air conditioner and some inside water damage from the roof leak. They sent a check for $700 after my deductible. I had my roofing contractor look at my roof and he said that due to my shingles being rated for 60 mph winds and the winds were well over 60 mph my roof needed to be replaced. When I sent this information to American Integrity and did not hear from them for a week I called my very condescending claims handler who said that the field inspector did not submit any mention of my shingled roof and she tried to insist that my roof was a flat roof. After I informed her that the majority of my roof was a pitched roof with shingles she said since the inspector did not put that in his inspection it was not damaged. I told her that I would be contacting my roofer to come back and submit photos showing the shingles had been raised and were no longer adhering to the roof. The next day the claims handler called and said that after further review they were going to deny the air conditioner claim and they put a stop payment on the check they sent 2 weeks ago. Is even legal? I think they thought that I might have a roof claim after all and they want to apply my deductible to the roof claim.

    Reply
  13. It’s no secret that insurance companies often get a reputation for being shady, cheap, and sometimes downright corrupt. I have been lucky to find that this is the exception more than the rule. I have had great success with my auto insurance, and my brother works for an extremely reputable company that serves its customers well. In recent days I have come to believe that American Integrity Insurance is responsible for every single negative insurance stereotype in existence.

    I have been insured by this company since 1999, and never had to file a claim till January 2015 for roof damage we estimated to have occurred in a mid-2013 hurricane. At that time, the adjuster came out and assessed the damage, which he wrote up as “a leak, and a few missing shingles”. In their effort to pay out as little as humanly possible, American “Integrity” deemed the cause of the leak structural (on a brand new, early 2000s construction home) and offered to payout a whole $850 for the shingles, which would not have covered the materials, let alone labor, for just one of those issues.

    Fast-forward to this year. My roof sustained damage from Hurricane Irma: literally, ALL our neighbors were having insurance-covered replacements/repairs done, regardless of whether they had recent roof work previously. Despite my previous disappointment with their service, I had the adjuster come out to file another claim. We believed the damage to be so bad that a roof replacement (at least a $7,000 expense) would be necessary. Sure enough, adjuster [Redacted] told us “there was a lot of wind damage, particularly on the left side (side opposite the leak). Don’t worry. The insurance should cover it, so all you have to pay is the deductible”. I can only assume [Redacted]’s optimism was the result of having worked for different insurance companies which were NOT run by a bunch of crooks.

    We got a reality check in terms of this company’s “integrity” a couple days later when we had the pleasure of talking with model employee, and expert of all-things-under-the-sun, [Redacted]. After initially leaving a message that the company had a check ready for us, we called back the next day only to have her tell us they could not cover anything because we had filed a previous (2013) claim. Leaving aside the pathetic amount they paid in 2013, there seemed to be a real lack of understanding that the same roof can be damaged multiple times. Perhaps a google search of the word “hurricane” could’ve provided clarification, but apparently even this was above [Redacted]’s skill level.

    After we forced the issue, [Redacted] said she would speak with her superiors, which, near as I can figure, meant she would have a Darth Vader-clone tell her exactly what to say to avoid paying a cent. After two days of no answer, we FINALLY got a hold of [Redacted]. AI stuck with their claim denial, stating that the new damage was the result of our negligence for not getting the existing leak fixed.

    To be clear, we were told that not fixing a leak on the right side of the roof was responsible for all of the fresh wind-induced shingle damage, which according to their adjuster (and anyone with eyes) was mostly on the left side. The only thing I could compare this to would be having my appendix burst, and my doctor then claim this happened because I did not have a cavity filled. I guess maybe they were suggesting that us digging deep into our pockets to fix the leak would have created an alternate future where Hurricane Irma doesn’t hit? That was the most logical argument I could come up with.

    On top of this, [Redacted] could not have been more condescending throughout the conversation. She consistently accused us of being poor homeowners (understandable not to recognize the financial limitations of those NOT scamming people out of millions), and used her vast knowledge of engineering to try to support the laughable explanation for the company’s decision. The best part, though, is that during the conversation, she revealed that her superiors had settled on the amount of $300 as the payout we would have gotten, had it not been for that previous claim. That’s right. $300 for a hurricane-damaged roof that will cost a minimum of $7,000 to replace. I am not sure if they have anyone that can actually do arithmetic at American “Integrity”, but that is a pretty big gap.

    Simply put, this company is awful personally and professionally. We will be switching for sure, as well as exploring possible legal options. My only hope now is that the roughly $40,000 we have contributed to these people over the past ~20 years can be written off as a charitable donation, since clearly there is zero chance that even under the most extreme circumstances (say, a natural disaster-induced state of emergency) they will pay out a claim.

    Reply
  14. OMG!!! I AM SO AFRAID NOW THEY SENT AN ADJUSTER OUT TO CHECK THE DAMAGES FROM IRMA HE TOLD
    ME I HAVE ROOF DAMAGES THE POOL SCREEN IS DAMAGED MY WOOD FLOOR IN ONE OF MY BEDROOMS
    IS DAMAGED .I AM DREADING CALLING THEM AFTER READING THE REVIEWS. I HAVE NO IDEA WHO OR WHAT
    TO CALL OR DO IF THEY REFUSE TO HELP ME.

    Reply
    • Get an outside adjuster. I heard this helps.

      Reply
    • GET A LAWYER!!!

      Reply
      • [Redacted] is involved in several if not all of these cases/complaints.

        Reply
    • Yes, a Public Adjuster will help you. They know the ins and outs and it’s good to have someone on your side. Believe me, they will try to put the screws to you. That’s just what they do. Depreciate the value of everything you have, try to tell you the damage was pre-existing, etc. Anything they can do to get out of paying they will most certainly try to do. Good luck.

      Reply
    • all I can tell you is do not settle if they deny the claim or give you less than cost to repair, hire a lawyer I did and got full cost to replace my roof plus the deductible and some monetary compensation for the amount of time it took and their negligence in handling my claim

      Reply
  15. I have had American integrity for the last 4 years on my rental property and I just summited a claim on 7/3/2017 and still has not been resolved. American integrity is by far the worst insurance company. Do not waist your time with this company they DO NOT LIKE TO PAY CLAIMS. Stay far away from them. I wish I had checked reviews before buying a policy with this company. I have a damaged Roof with a lot of wind damage and they had the nerve to send out an engineer so that they can get out of paying the claim. I have not been able to rent this home back out do to my roof being damaged.

    Reply
    • Jose they send out the engineer who then states the damage is old damage not from the recent windstorm. We battled with them for a year before we finally reached a settlement but had to enlist the help of a private adjuster. We then settled for well above what we would have gotten otherwise. We have since changed insurance companies. They try to wear you down. Good luck in your negotiating.

      Reply
    • Let’s start a class action law suit. Let’s get this company out of business. I been dealing with them over a year and like everyone else they denied my claim. Now I received a notice they are not going to renew my policy because I didn’t replace the roof. This is after my adjuster said not to worry about the repairs. The engineer was a total joke when he came out. It was all about making sure they don’t pay out my claim. Now hurricane Irma came and made more damage. So on with the second claim but this time with an attorney on my side.

      Reply
      • Is this the Tim that I spoke with last spring because we were going through a similar problem??? You emailed me via FB. Just curious.

        Reply
  16. American Integrity takes advantage of new homeowners. If your realtor recommends them, DO NOT go through with it! They will find every way possible to not pay your claim. They will take their time to send you the rejection letter and they will not settle, even if you get a lawyer. They know every trick on how to extend the process to avoid paying your claim. Do your research, this company does not deliver on what they promote – integrity

    Reply
    • Dealing with American Integrity Insurance at this time and they have denied my claims for roof damage. I met their adjustor a month ago and he verbally informed me that I sustained some damages but it cannot be fixed because I failed the brittle test. I heard from the AI adjuster [Redacted] and she informed me that my claim has been denied, that it was due to tear and wear and that rodents caused the damage. I knew what I was told by the adjuster they sent so I got a hold of her manager, [Redacted] and he asked to send an engineer. Unfortunately, neither reports written by the people they sent cannot be sent to the homeowners and thus, this leave us questioning their decision to deny my claim. All insurance companies from my neighborhood approved all the roof replacement but since I am with American Integrity I am the only one who had been denied, yet they do not want to provide me the report written by their own inspector and claimed that my roof is repairable? They claim they care about their customers and I found them to just want to take money from their customer and their customers need help they turn their back on them. I am looking for homeowners that would like to file an action lawsuit against American Integrity.

      Reply
      • This is what they routinely do….find excuses to deny claims. Welcome to the long line of customers who have been screwed over by them. Call Morgan And Morgan. They’re used to the calls from American Integrity (cough cough) victims. Florida would be better off if they went belly up. No good piece of poo company.

        Reply
  17. Hey American integrity
    How does it feel to have an abundance of complaints against you. Once more another one of my neighbors is having a new roof put on their house. Their house is the same age as mine and was damaged in the same storm. The difference is, they do not have American integrity. Their insurance company is honest and has integrity. Can’t say that about you. You people are a joke along with just plain dishonest and thief’s. All of us that have complaints will eventually destroy your company. You claim to care about your customers but you lie.

    Reply
    • Right on. Spot on.

      Reply
      • I have the same issues. All my neighbors around my house, built in the same year (2002) have had their roof replaced. l meant all – every single house around my house and mine is right in the middle of these houses. They do not have American Integrity and they all had their roof replaced because of wind and hail damage from a bad hail storm in 2016. I argued that with them and the guy said “you can’t compare with them”. Well why not? We all have same builder, built at the same time, had the same storm. Not just that, it took them months and still never got back to me on the final decision until I called. They declined.

        Reply
        • Unfortunately the people who have AI are in for much heartache. Wait til the complaints pour in following Irma. My guess is that AI will file for bankruptcy. Piece of crap company who just screws people over every single day.

          Reply
  18. In late Nov. 2016 I bought homeowner policy from American Integrity. Paid premium in full. Thought everything was OK. Today (Jan. 7, 2017) received a check from them for the total amount of the premium. Obviously they canceled the policy; and with absolutely NO ADVANCE NOTICE. Now I have a coverage gap which is greatly limiting the companies willing to insure my home. Thanks for nothing American Integrity!!!

    Reply
  19. Did anyone go forward with a Class Action Lawsuit? We’re in the same boat. I see time after time the same egregious treatment of their policyholders. They are repeatedly acting in BAD FAITH!

    Reply
    • I too am going through it with this American INTEGRITY! They seem to be finding ways not to honor my claim. Matthew came through our area (we live in Florida) and they still won’t do the repair. Unbelievable. What are the options? I feel someone should put these people in check!!! Any lawyers out there willing?

      Reply
      • We’re consulting with an attorney today. They’ve put us through HE##. Class action will be included in our conversation. I’ll keep you posted. Are you on FB that we can establish a discussion?

        Reply
        • Please let us know the status and how to be part of the class action lawsuit. We live in a neighborhood of 55 homes and at least 50% have had new roofs put on in the last year. When we had an inspector come out, he asked who our insurance company was, and when we said American Integrity, he told us the reputation of the company and that their MO is denial. He said he would attempt to go to bat for us, but the outcome would be dire. We have hail damage from Hurricane Matthew. The neighbor across the street has significant damage, and AI is denying their claim as well.

          Reply
          • We have a meeting with our attorney this week. I’ll keep you posted. AI is slick….they know all the tricks and have played this game for a long time.

  20. I was told by my claims adjuster that the claim was approved and that we would receive a check for the 50% of the cost to replace my roof and then upon proof of repairs they would send the remaining 50%, then a week later she called saying that management wanted to review the claim in their Q & A meeting and that they were sending out an engineering company to see if the roof could be repaired, I know why they are looking for a reason to deny the claim but can they deny the claim, after I was told it was covered????/

    Reply
    • We also were told our roof was going to be replaced BUT then the engineer came out and we were denied. We ended up hiring a public adjuster and our settlement was about 5x what we could have gotten on our own, we’ll worth the money.

      Reply
      • How did you find a public adjuster??

        Reply
        • Theresa – we used Keys Claims out of Naples ([Redacted] was our adjuster). She was able to get us 4x the insurance company offer and she did all the negotiating. Well worth the cost as she found and claimed damages we never saw. Good Luck.

          Reply
  21. To go along with other reviewers this company does everything they can to deny claims. It took 2 months to receive our rejection letter and that was because we called and emailed twice a week. We had hail damage to our roof and their roof engineer blamed everything but hail for the damage. The worst part was when we wanted to see the report from the engineer I was informed it was “privileged” information and I couldn’t see the info on my own house.
    I do not recommend this company .

    Reply
  22. I filed a claim with American integrity last week for roof damage the tenant reported from A hail wind storm that recently happened . Well today it was denied 6/22/16. The insurance inspected [Redacted] says the roof was too old 20 yrs and refuse to cover any damages . I bought the house as is and insured it and its suppose to cover roof damage. Rip off don’t use American integrity. They only take your money

    Reply
  23. I agree with Luis Torres and Jessica as I have had the same rotten service from AI. After having tornado damage in February of this year and making a claim, they sent out an inspector and his recommendation was to replace the entire roof and replace or repair most of the privacy fence destroyed. Well, they obviously didn’t like the suggestion of the first inspector so they sent our an “engineer” from Haas and of course his recommendation was to only repair sections of the roof, although 4 other inspectors, one I requested and two more they, AI, sent all suggested the rood was at least 80% compromised and should be completely replaced. Also, after I got a separate quote on the siding replacement, they obviously didn’t like that either and sent out another inspector who was very fair and also included that the roof should be replaced. AI is just repair shopping trying to get by with spending little on the repairs in my opinion. Originally, they were going to pay a fair price for the repairs to the fence but offered an insulting and ridiculous amount of $1,900.00 for the siding, gutters, screen porch repair, personal incidentals from the back yard and the roof. I have a granddaughter who is medically complex and since the tornado there has been some mold growing in her mother’s room, yet we are still trying to get this settled.

    Reply
    • We should do a class action lawsuit. Luis Torres

      Reply
  24. Again in February of 2016 I have to reiterate the other comments. I wish I had read these before purchasing our policy. After recent tornado we had extensive water damage to our home and went with clean up company they sent out – one month later we have extensive mold problem due to improper clean up. At first our roof was covered, now like others it is due to foot traffic – yeah how about the 7 people they have sent out to inspect before getting the result they wanted. I call our in-house adjuster constantly and she is always waiting and will get back to me in an hour – haven’t heard back from her yet. At this point considering attorney or private adjuster but not sure it would pay for itself in the end. DO NOT MAKE THE MISTAKE OF USING THIS COMPANY – the deal you think you might be getting will not be when you have to make a claim.

    Reply
    • Carol you are so correct we should all start a class action law suit against american integrity for fraud. Think about it

      Reply
      • Im in lets do it!

        Reply
      • All insurance companies are similar.When making a claim find the services of an independent claims adjuster. They will get you the proper settlement.

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  25. They do not Deliver what is promised.

    American Integrity is refusing to pay my roof to be replace after a hail storm that was reported in Eustis on 6/19/2015. I submitted a claim to this insurance before June 23 but conveniently they did not have records of it. So called back on July 7, 2015 and they stated they did not have anything on file and they will report it at this time (her name was [Redacted]). After waiting and waiting and calling my insurance agent, they finally sent an “engineer” to the house to see the damages. After waiting several weeks and calling them constantly I sent a text message to my adjuster [Redacted], threatening to file a claim with NICA and BBB, immediately he called and stated he will take care of the estimate. I have a $1,000 deductible and they claimed I have 7% damage despite having two pool screens completely gone after the storm. The claimed the estimate to be 7% of the roof. Of note all surrounding neighbors (around 10 or more) already have their roof replaced or have gotten a check already. I talked to my neighbor who has American Integrity and was quoted to have 10 % damage, his deductible is $500 and the estimate quote was $349. As you can see the disparities with this insurance. I feel they are fraudulent. They need to be investigated.

    I am selling my house in a week, so I could just sit back and do anything about it but I cannot tolerate injustice. This company has had multiple complaints on BBB and I urge you to do something to continue this company to scam their customers.

    Reply
    • My husband and I submitted a claim for damage to our home in Eustis on 8/22/15. We had bad storms in the area just weeks before our roof began to leak. After several phone calls and having to leave voicemails only to not receive any call back, in the end of October I finally reached someone who didn’t seem to know what happened to my claim. They scheduled an adjuster to come out and look at the roof. He stating it had hail damage which was causing the leak. I had a friend meet the adjuster since my husband and I were working we were never told one of us had to be there until oddly we received a letter in the mail several days AFTER the ajuster came stating the homeowner had to be present yet they never mentioned that at the time they called to give us the appointment. American Integrity hired a structural engineer to fly all the way from Texas to assess our roof and of course being on American Integrity’s payroll he stated it was not hail damage but rather wear. Our home is small, and it probably cost more to fly the guy here than to just fix the roof! American integrity insured our home after a four point inspection at the time we purchased the home, which was less than a year before our claim. I told the girl I needed a copy of his findings. She said she could not send me a copy but would send a synopsis of what his report said. Here we are Jan 2016 still no report. The employee I spoke with on the phone was rude and unwilling to help. We have been completely ignored. We always paid our premiums on time so we did our part. The only thing they did was take our money and keep it! They should be investigated and closed down!! DO NOT USE AMERICAN INTEGRITY! THEY HAVE ABSOLUTELY NO INTEGRITY!!!

      Reply
  26. Horrible company. I have submitted a clairm over two months ago with no resolution. They never call with an update, you are constantly having to call them only to speak to voicemails. No one can ever help or answer questions. I cannot wait for my year to be up so I can cancel and go with literally ANYONE else because they have to be better. Zero customer service skills.

    Reply
    • Jessica,

      If you haven’t already done so, you need to read the other complaints against this awful company. You will never get a call from them. They will ignore you just as they have everybody. Horrible doesn’t even begin to describe it. Good luck to you.
      Linda

      Reply
    • I am battling with them as well. They say they sent a check on 10/29, it comes November 25. They say they sent the balance owed to roofer, even had adjuster phone roofer, still no check. I am about to blow a gasket with them.

      Reply

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