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Blog, Property Damage Claim
When disaster strikes—whether it’s a hurricane, hailstorm, or roof collapse—Florida homeowners rely on their insurance providers to step up. Unfortunately, many find themselves battling not the storm, but their insurance company.
At The Morgan Law Group, we’ve helped countless homeowners fight back against denied and underpaid insurance claims. And now, new data reveals just how widespread the problem is—and which insurers are the worst offenders.
The Top 10 Worst Insurance Companies for Florida Homeowners
Recent reports from independent insurance rating agencies show that over half of all homeowner claims in Florida were denied or closed without any payment in 2024. Here’s a breakdown of the 10 insurance companies most likely to deny or underpay claims:
| Rank | Insurance Company | Denial Rate | Common Claim Issues |
| 1 | People’s Trust Insurance Co. | 75.4% | Hurricane, wind, and flood damage |
| 2 | Kin Interinsurance Network | 68.3% | Wind/hail, roof, storm |
| 3 | American Integrity Insurance Co. | 64.6% | Roof damage, wind claims |
| 4 | Olympus Insurance Co. | 61.9% | Roof, hail, Hurricane Ian |
| 5 | State Farm Florida | 59.2% | Hurricane, roof, wind/hail |
| 6 | Castle Key Indemnity (Allstate) | 57.2% | Roof, storm damage, hurricanes |
| 7 | Security First Insurance | 56.6% | Storm and hurricane damage |
| 8 | Castle Key Insurance Co. | 55.1% | Wind and roof claims |
| 9 | ASI Preferred Insurance Corp. | 53.3% | High-value roof and storm claims |
| 10 | Florida Peninsula Insurance Co. | 52.8% | Hurricane-related roof/flood damage |
Underpayment Is Just As Bad
It’s not just denials—underpayments are rampant, especially following major hurricanes like Ian, Helene, and Milton. Many homeowners were paid less than 20% of the actual cost to repair their damages. In one case, a Florida condo association was underpaid by $19 million after Hurricane Ian.
Why Are So Many Claims Denied?
Insurance companies often deny or delay claims based on:
- Alleged “pre-existing damage”
- Misclassification of flood vs. wind damage
- Policy loopholes and exclusions
- Improper adjuster assessments or manipulated estimates
You Don’t Have to Accept It
If your homeowner’s insurance claim has been denied, delayed, or underpaid—you have rights. Florida law protects policyholders against bad-faith insurance practices. The Morgan Law Group can:
- Review your policy and claim for free
- Challenge unfair denials
- Reopen underpaid claims
- Fight for the full compensation you’re owed
Don’t Let the Insurance Company Win
Insurance companies may have deep pockets—but we have the experience, resources, and drive to fight back.
