Short answer: Heritage Property & Casualty Insurance Company, part of Heritage Insurance Holdings (NYSE: HRTG), insures Florida homes and is one of the largest insurers of condominium associations among companies reporting to Florida’s Office of Insurance Regulation.
Last reviewed: October 2026
Heritage in Florida, by the numbers
At July 31, 2026, Heritage reported 110,922 Florida residential policies in force, ranking #21 among the 163 companies in OIR’s July 2026 report by residential policy count: 87,868 homeowners, 10,105 condo unit (HO-6), 9,577 rental dwelling (DP), 2,825 commercial residential, and 547 mobile home. It reported 633 new claims opened in July 2026.
Source: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026. Figures are company filings published without audit by OIR.
Of those, 2,530 were condominium association policies, the second-most of any insurer reporting to OIR, behind American Coastal.
Before you call Heritage
Your deadlines and Heritage’s, in Florida
Where Heritage claims most often need help
On a condominium association claim, the master policy, the hurricane deductible and any special assessment are tied together, and the board has to manage the claim for every owner. See condo and HOA claims, Florida condo association insurance requirements and special assessments after a claim. On homeowners claims, roof and water losses lead.
How Homeland helps with your Heritage 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 Heritage’s adjusters from start to finish, in English or Spanish. If Heritage has already paid or denied, upload the letter or estimate to Claim Review for a free first read.
Frequently asked questions
Should I call Heritage first?
Does Homeland handle condo association claims with Heritage?
Sources: Heritage Insurance Holdings, 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.
Talk to a Public Adjuster
Tell us about your loss. We’ll call you back.
Heritage Claims We Handle
We represent property owners on Heritage claims: homes, condo units, rentals, mobile homes, condominium associations and businesses, in English or Spanish. We work for you, never the insurer.
