A contractor removing water-damaged drywall after a leak

INSURANCE COMPANY CLAIMS

Florida Peninsula and Edison Insurance Claim Help

Water, roof and condo unit claims in Florida. Call Homeland before you call the insurer.

Short answer: Florida Peninsula Insurance Company and Edison Insurance Company are two separate Florida insurers supported by the same manager, Windward Risk Managers (formerly Florida Peninsula Managers). Together they reported 345,454 Florida residential policies at July 31, 2026.

Last reviewed: October 2026

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

Florida Peninsula in Florida, by the numbers

At July 31, 2026, Florida Peninsula reported 198,951 Florida residential policies in force, ranking #10 among the 163 companies in OIR’s July 2026 report by residential policy count: 149,298 homeowners, 29,648 rental dwelling (DP), 19,119 condo unit (HO-6), and 886 renters. It reported 887 new claims opened in July 2026.

Florida Peninsula 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.

Edison in Florida, by the numbers

At July 31, 2026, Edison reported 146,503 Florida residential policies in force, ranking #15 among the 163 companies in OIR’s July 2026 report by residential policy count: 121,950 homeowners, and 24,553 condo unit (HO-6). It reported 556 new claims opened in July 2026.

Edison 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 Florida Peninsula or Edison

Call us first. We read your policy, then report the claim to Florida Peninsula or Edison 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 the insurer’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 Florida Peninsula and Edison claims most often need help

Water is where many Florida Peninsula and Edison claims start: a supply line, a water heater or a slab leak. Water claims often turn on how fast the leak was reported and on any water-damage sublimit in the policy; see the $10,000 water damage sublimit. Florida Peninsula also writes many rental dwelling (DP) policies, and Edison many condo unit (HO-6) policies; see landlord claims and master policy vs. HO-6.

Rates: Windward Risk Managers announced in June 2026 that Florida’s Office of Insurance Regulation approved rate decreases of 10% for Edison HO-3 homeowners policies, 10.5% for Edison HO-6 condo policies and 0.9% for Florida Peninsula DP-3 dwelling policies, effective July 1, 2026 for new business and July 15, 2026 for renewals.

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

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

Are Florida Peninsula and Edison the same company?

No. They are separate insurance companies. Florida Peninsula’s parent agreed to acquire Edison’s group in 2009, and today both are supported by Windward Risk Managers. Your declarations page shows which company insures you.

Sources: Windward Risk Managers release, June 26, 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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Florida Peninsula and Edison Claims We Handle

We represent property owners on Florida Peninsula and Edison 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.