American Integrity Insurance

Carrier appetite summary

Operational focus: - Personal residential property insurer writing primarily in Florida, with expansion into South Carolina and Georgia. Core business is single‑family homeowners, condominiums, vacant dwellings, and investment properties. Policies are written through appointed independent agents; direct submissions by consumers are not accepted. Preferred / target business (HO-3, HO-6, DP-1, DP-3): - Well-maintained, owner‑occupied or long‑term tenant‑occupied single‑family homes and condos in Florida, written on HO-3 and HO-6 forms. - Standard construction homes in good condition with acceptable age/condition of roof, electrical, plumbing, and HVAC, and no serious unrepaired damage. - Dwellings written on DP-1/DP-3 forms that are used as rentals or second homes with stable occupancy, and with reasonable prior loss history. - Vacant homes that are otherwise well maintained; American Integrity highlights that it writes vacant properties on an admitted basis in Florida, which remains a niche differentiator. - Short‑term rentals may be considered on DP forms when the property is rented for more than 30 days and fewer than six times per year; outside this band, the risk is generally ineligible or requires specific underwriting review. Restricted or declined classes (from helpful-hint DP guide and historic agent procedures; always confirm specifics in portal): - Properties used as frequent short‑term rentals (more than six rental periods per year or typical vacation‑rental patterns) are generally outside standard guidelines and require underwriting review or are declined. - Risks with evidence of arson or insurance fraud, or applicants with arson convictions in the prior 25 years, are not acceptable. - Dwellings with serious maintenance issues, unrepaired prior damage, or substandard roof/plumbing/electrical conditions are subject to close scrutiny and are often declined or written only after repairs. - Properties with significant open or repeat claims activity or severe loss history may be declined or require restrictive terms. - Certain coastal, high‑catastrophe‑exposed locations, or construction types that do not meet current building code or wind‑mitigation standards, may be restricted, require higher deductibles, or not be written; details handled within the agent portal. Geographic notes: - Core underwriting and policy issuance are through American Integrity Insurance Company of Florida (AIICFL); Florida remains the primary state and is heavily catastrophe‑driven. Capacity and appetite may shift in response to reinsurance and Citizens take‑out activity, so agents should always verify eligibility and moratoria in the portal before quoting. - Company disclosures show expansion into South Carolina and Georgia for residential property; appetite in these newer states is expected to mirror the preferred residential profile but should be confirmed with the appropriate state‑specific guidelines. - Agents serving South Florida (Broward, Miami‑Dade, Palm Beach) are actively recruited; however, underwriting controls and catastrophe‑exposure management remain strict. Binding may be subject to storm‑related moratoria and special underwriting review during peak CAT seasons. Submission & binding expectations (agent‑focused): - Business is placed only through appointed agents who are in good standing with regulators and maintain required E&O coverage. New agency appointments are handled via regional marketing/agency management contacts. - Submissions must be entered through the carrier’s agent portal, with full property and prior loss information. For many HO and DP risks, underwriting approval is required prior to binding; agents should not bind outside system parameters without express underwriter approval. - An inspection is typically ordered post‑bind; historic guidance referenced inspection cycles of roughly 6–8 weeks from request to underwriter review. Adverse inspection findings can result in mandatory repairs, coverage changes, or cancellation/non‑renewal. - For DP-1/DP-3 and vacant risks, agents must carefully identify occupancy type, vacancy, renovation status, and any short‑term rental exposure; misclassification can lead to underwriting action. - Catastrophe events (hurricanes or named storms) may trigger binding moratoria by ZIP/county or state; agents must check daily communications and portal bulletins before binding any coastal or wind‑exposed property. Broker / producer notes: - American Integrity distributes exclusively through independent agents and positions itself as a long‑term Florida market with disciplined underwriting, robust CAT reinsurance, and a broad residential product set. Agents are expected to understand Florida’s unique property risk environment and to educate insureds regarding coverage, deductibles, and mitigation requirements. - The carrier emphasizes ease of doing business and fast underwriting support; agents are encouraged to contact underwriting for exceptions rather than quoting/binding off‑guidelines. - Market conduct examinations and regulatory oversight in Florida have been active; producers should assume that documentation quality, transparency of coverage, and claims‑handling expectations are high and that guidelines may tighten following legislative or market changes. Important caveat: - Publicly accessible ‘helpful hint’ and agent manual documents (including HO-3/HO-6 and DP-1/DP-3 guides) provide only partial and sometimes dated snapshots of underwriting. Detailed, current eligibility, surcharges, deductible options, and binding rules are maintained inside the password‑protected agent portal and may differ by program, state, and date. Treat these notes as a directional appetite summary and always confirm eligibility, coverage terms, and binding authority directly with American Integrity’s current agent resources before quoting or binding.

Referenced source pages