Hurricane roof damage on a Florida condominium association building

INSURANCE COMPANY CLAIMS

Frontline Insurance Claim Help

Homes, condo units and associations in Florida. Call Homeland before you call Frontline.

Short answer: policies sold as Frontline Insurance are written by First Protective Insurance Company, Florida’s sixth-largest residential insurer. Its declarations page may say First Protective, not Frontline.

Last reviewed: October 2026

Before you call Frontline, call Homeland. The first report of a loss frames the whole claim. We review your policy, document the damage and give Frontline written notice of the claim for you. Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Free Claim Review Florida (305) 783-3777 New Jersey (732) 517-3777

Frontline (First Protective) in Florida, by the numbers

At July 31, 2026, Frontline (First Protective) reported 325,068 Florida residential policies in force, ranking #6 among the 163 companies in OIR’s July 2026 report by residential policy count: 252,838 homeowners, 50,862 condo unit (HO-6), 18,466 rental dwelling (DP), 1,305 commercial residential, 1,053 mobile home, and 544 renters. It reported 1,097 new claims opened in July 2026.

Frontline (First Protective) Florida residential policies in force by policy type, July 31, 2026. Source: Florida OIR Monthly Market Intelligence Report

Source: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026. Figures are company filings published without audit by OIR.

Before you call Frontline

Call us first. We read your policy, then report the claim to Frontline in writing, with the facts and photos that support it.

Before anything is thrown out, photograph and video every room, the roof and the outside, and keep damaged items. Make only the repairs needed to stop more damage, and keep every receipt.

Talk to us before you give a statement or sign anything, whether it comes from the insurance company or a contractor.

We get the full policy, not just the declarations page, because the endorsements and exclusions decide the claim.

Your deadlines and Frontline’s, in Florida

Notice of the claim must be given within 1 year of the date of loss for a new or reopened claim, and within 18 months for a supplemental claim (Fla. Stat. §627.70132). We give that notice for you.

The insurer acknowledges your claim within 7 days, sends you its adjuster’s detailed estimate within 7 days after the adjuster prepares it, and pays or denies within 60 days of notice unless factors beyond its control intervene (Fla. Stat. §627.70131).

If you disagree on the amount, your options include re-documenting and negotiating, the appraisal clause in your policy, and free mediation through the Florida Department of Financial Services. See every option, compared.

Where Frontline claims most often need help

First Protective writes homeowners and condo unit policies, and also insures condominium associations. On association claims, the master policy, the deductible and any special assessment are connected; see special assessments after a claim and condo and HOA claims.

How Homeland helps with your Frontline claim

We represent you, not the insurance company. We read your policy, document the loss, prepare a line-item estimate, and handle the claim with Frontline’s adjusters from start to finish, in English or Spanish. If Frontline has already paid or denied, upload the letter or estimate to Claim Review for a free first read.

Call 24/7: Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Frequently asked questions

Should I call Frontline first?

Call us first. We review your policy and the damage, then give Frontline written notice of the claim, so the claim starts with the facts that support it.

Is First Protective the same as Frontline Insurance?

Yes. Frontline Insurance is the brand; First Protective Insurance Company is the insurer that writes the policies. Your declarations page shows the company name.

Sources: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026; Fla. Stat. §627.70131; Fla. Stat. §627.70132.

Homeland Public Adjusters is not affiliated with, endorsed by or sponsored by any insurance company named on this page. Company names are used only to identify the insurer. This page is general information, not legal advice.

All insurance companies Free claim review Denied & underpaid claims Roof insurance claim help Florida public adjusters New Jersey public adjusters

Damage happening now? In Florida

Call (305) 783-3777, 24/7

In New Jersey

Call (732) 517-3777, 24/7

Talk to a Public Adjuster

Have photos? Start My Claim →Denied or underpaid? Review My Claim →What does my policy cover? Scan My Policy →

Tell us about your loss. We’ll call you back.

Claims We Handle

Hurricane & Wind Damage→Flood Damage→Fire Damage→Water Damage→Winter Storm & Roof Damage→Theft & Vandalism Damage→Vehicle Impact Damage→Business & Commercial→Other Claims→Denied & Underpaid→

FREE MEMBERSHIP

Join Adjuster Advantage™

Join Free

Board or manager? AA Associations →

Frontline Claims We Handle

We represent property owners on Frontline claims: homes, condo units, rentals, mobile homes, condominium associations and businesses, in English or Spanish. We work for you, never the insurer.

Hurricane & Wind Damage Claims Winter Storm & Roof Damage Claims Water Damage Claims Lightning, Trees & Other Claims Denied & Underpaid Claims Condo & HOA Association Claims Business & Commercial Claims

How Can We Help You Recover?

Call Homeland Before You Call the Insurer

Upload photos of the damage, your policy, or a letter or estimate you already received. A licensed public adjuster reviews it for free and calls you back right away. No Recovery, No Fee.

Start My Claim →Review My Claim →Scan My Policy →

Or call 24/7: (305) 783-3777 Florida · (732) 517-3777 New Jersey. Hablamos español.