A condo board and adjuster inspecting a waterfront building rooftop

INSURANCE COMPANY CLAIMS

American Coastal Insurance Claim Help

Condo association and commercial residential claims in Florida.

Short answer: American Coastal Insurance Company (AmCoastal) is the insurance subsidiary of American Coastal Insurance Corporation (Nasdaq: ACIC), a holding company primarily engaged in commercial property insurance, mostly in Florida. At July 31, 2026, it reported 4,202 condominium association policies, more than any other insurer reporting to Florida’s Office of Insurance Regulation.

Last reviewed: October 2026

Before you call American Coastal, call Homeland. The first report of a loss frames the whole claim. We review your policy, document the damage and give American Coastal 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

American Coastal in Florida, by the numbers

American Coastal reported 4,495 Florida commercial residential policies at July 31, 2026, ranking #79 among the 163 companies in OIR’s July 2026 report by policy count; 4,202 of them were condominium association policies. Its policies are fewer than a homeowners insurer’s, but each one covers a whole building or complex. It reported 50 new claims opened in July 2026.

Florida condominium association policies in force by insurer, July 31, 2026, insurers reporting to OIR. 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. Many associations are insured in the surplus lines market, which this report does not cover.

Before you call American Coastal

Call us first. We read your policy, then report the claim to American Coastal 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 American Coastal’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.

What makes an association claim different

The hurricane deductible on a master policy is often a percentage of the building value, which can mean a large amount the association pays before the insurer does.

The master policy and the unit owners’ HO-6 policies split the building: Florida’s condo law (§718.111(11)) sets what the association must insure. See Florida condo association insurance requirements.

Common-area water damage and who pays for it: see association vs. unit owner.

Special assessments can follow an underpaid claim: see special assessments after a claim.

How Homeland helps with your American Coastal 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 American Coastal’s adjusters from start to finish, in English or Spanish. If American Coastal 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 American Coastal first?

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

Who is the largest condo association insurer in Florida?

Among insurers reporting to Florida’s Office of Insurance Regulation, American Coastal had the most condominium association policies at July 31, 2026 (4,202), followed by Heritage (2,530), First Protective (1,255) and Citizens (1,086). Many associations are insured in the surplus lines market, which is reported separately.

Can our association hire a public adjuster on an American Coastal claim?

Yes. A licensed public adjuster can represent the association on a master policy claim.

Sources: American Coastal Insurance Corporation, Form 10-Q for the quarter ended June 30, 2026; 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.

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American Coastal Claims We Handle

We represent property owners on American Coastal 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.