American Integrity Insurance GroupReviews of aii.com

I'm very happy with the way American Integrity handled our claim for damage, which occurred during Hurricane Irma.

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. Never had a claim they left me with no choice but to shop around found Florida specialty insurance there quote was $800 and more and better coverage.

Timely and easy claim process

If i could offer less than one star I would have done that. This company is very good at collecting premiums and VERY POOR at actually paying claims. FOUR MONTHS AFTER THE HURRICANE WE STILL HAVE NO RESOLUTION TO OUR CLAIM. First they deny that you have that type of coverage- even though the policy specifically states that IT IS COVERED , then they ignore you for a month and a half until you finally contact them, only to be told your claim is CLOSED. Then after posting my experience on social media, they PROMISE to have an SVP contact me...no surprise - that has not happened. I CAN'T WAIT TO BE A MEMBER OF THE CLASS ACTION SUIT THAT PUTS THESE THIEVES OUT OF BUSINESS!!!!!!!! Morgan & Morgan here I come!

Literally the worst insurance company in FL. They denied my claim by sending out an inspector who would agree with them after the first one they sent out did not. The really sad part is my claim was really small. The CEO of this company Bob Ritchie should be ashamed of how his employees conduct business. I guess he is Ok with it as long as he gets out premiums. 🏃🏃 from this company. They literally never speak to you with respect and assume you will not stand up for yourself . I encourage everyone to tell you friends and family to avoid this company at all costs. When you give an honest review on their Facebook page they block you. They still have not sent me my appeal paperwork, they are masters at delay. A good place to spread the word about their poor business practices is at your monthly/annual homeowners meetings.

I had a leak in the pipe of my Pool pump. Because of that all my flooring in house came up and needed completely to replaced. After delaying the situation for 3,5 month they said NO, its not sure that that was the reason, wo won't pay! And on top they canceled my contract! All I can say is Lucky me, so I don't need to do it by myself. Stay away from that cheating company. I wished I would have read all the reviews before I went to them!

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 Taber Bansoyke 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 Taber'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, Shenetta Burrows. 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 Shenetta's skill level. After we forced the issue, Shenetta 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 Shenetta. 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, Shenetta 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.

Update....I was contacted and received a settlement payment. My only complaint is the depreciation amount deducted from the payment to repair my home. Very disappointed with American Integrity Insurance Group. Hurricane Irma damaged my roof and my home over one month ago. The day after Irma hit I filed a claim. Over one month later, I am still waiting to get help for coverage that I paid for. Numerous calls and emails go without response. Neighbors with other homeowners insurance already having their claims settled and roofs repaired. Totally unacceptable!