American Integrity Insurance Review 2019

3.5

Review written by:

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- Policy holder
- Policy holder
Horrible experience dealing with this firm for filing and making any progress on claim for property damage. I offered all the information about the property and the damage and also informed of pre-existing condition, to the claim adjuster upfront when I filed my claim. It was next to impossible to reach out to the claim adjuster following the claim filing. And when I finally was able to reach to her, at a point in time when the claim had to be processed, I got to know that the underwriter has denied my claim and on top of that I was dropped off insurance. Simply cannot believe how pathetic the whole experience has been. I would never ever recommend any one to insure their house with this horrible firm!
Sachin T.
- Policy holder

Carrier Overview

Robert “Bob” Ritchie created American Integrity Insurance in 2006 in response to a lack of home insurance choices in Florida, which followed the costly hurricane season of 2004. 

American Integrity offers traditional and high-value homeowners insurance, condo insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. 

It also offers extra protection, including flood insurance as well as identity theft and equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today. 

  • Customer Service: 1-866-968-8390
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TYPES OF PRODUCTS OFFERED:

  • Homeowners
  • Condo
  • Manufactured Home
  • Rental or Vacant
  • Umbrella
  • Renters Policy
  • Golf Cart
  • Small Boat
  • Flood Coverage
  • Cyber Coverage
  • Extra Protection

How to Buy a Policy

American Integrity has partnerships with insurance agencies throughout Florida. The company helps you to get in touch with an agent near you directly from its website. A phone number and address are provided after you enter your zip code.

American Integrity also lets you request a quote online after filling out a form.

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Discounts offered

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TYPES OF DISCOUNTS

How to make payments

You can make a payment to American Integrity by using its tool online. You will need your account number, your policy number, and your property's zip code to start the process.

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How to File a Claim

American Integrity asks that you report a claim on its website. In order to make the claims process as smooth as possible, the company asks that policyholders choose licensed and bonded contractors. Adjusters can assist you with this process.

If the structure of your home will allow you to safely do so, take reasonable steps to prevent further damage to your home. Be sure to take pictures of the damage and do not throw damaged parts away, or allow your contractor to remove them before your adjuster has a chance to inspect them. 

Reviewing the damage is a crucial part of the claims investigation process. Keep receipts for any expenditures you incur – they may be reimbursable if your loss is covered.

FILE A CLAIM online

INFORMATION YOU NEED ON HAND:

  • Policy number
  • Date of loss
  • Loss description

Reinsurance program

American Integrity says it purchases more than the minimum recommended amount of reinsurance to ensure that it's able to pay claims, continue to run and grow its business. Its reinsurers are highly rated and creditworthy, having no less than an "A- (Excellent)" rating by A.M. Best Company to help pay for losses caused by a major disaster.

American Integrity says it has enough reinsurance to prepare for storms of the magnitude of 1992’s Hurricane Andrew, or a multiple storm hurricane season like the unprecedented four-hurricane season Florida experienced in 2004.

Career Opportunities

American Integrity prides itself on a diverse workforce, with its employees hailing from different industries and a variety of backgrounds. The company culture allows it to celebrate different ideas and work together to provide the best outcomes for policyholders. It offers opportunities for growth and a comprehensive benefits package that includes health insurance, paid time off, and a matching 401k. Here are some of the job opportunities at American Integrity.

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How to Become an Agent 

American Integrity says its agents are highly experienced, Florida based professionals who put customer service first. If this sounds like you, and you would like to be appointed with American Integrity, send an email to newagentrequests@aiicfl.com.

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