American Integrity Insurance
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This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
American Integrity is a Florida-focused residential property carrier with growing presence in nearby states. Current publicly-available underwriting guidance is centered on HO-3 and HO-6 business in Florida. PREFERRED / TARGET HOMEOWNERS RISKS (HO-3) - Owner-occupied, one- to two-family homes used for private residential purposes. - Dwellings up to 75 years of age, in good condition, with no unrepaired damage. - Homes with updated systems where age of home is over 40 years and a clean 4‑point inspection supports required updates: - Electrical updated to current code. - HVAC and plumbing under kitchen/bath sinks, toilets, and water heater all replaced within the last 20 years. - Roofs in good condition and within preferred age ranges by material (replacement cost tier): - 3‑tab composite shingle: eligible for replacement cost 0–15 years. - Architectural shingle: eligible for replacement cost 0–20 years. - Metal/Tile: eligible for replacement cost 0–40 years. - Homes over 5 acres are acceptable with prior underwriter (UW) approval; farm animals allowed for personal (non‑business) use subject to UW review. - Trampolines allowed if there is at least a 4‑foot fence enclosing the yard; liability is excluded for trampoline use. RESTRICTED / REFER-TO-UW HOMEOWNERS RISKS - Homes over 40 years of age: - Require a satisfactory 4‑point inspection; without it, coverage—especially water damage—may be limited or not available. - Full water damage coverage requires valid 4‑point; otherwise, expect restrictions or UW questions. - Roofs approaching or exceeding replacement‑cost age thresholds: - 3‑tab composite: 16–25 years eligible only for Actual Cash Value (ACV) for wind/hail; must be in good condition. - Architectural shingle: 21–25 years eligible only for ACV for wind/hail. - Metal/Tile: up to 40 years, but must still be in good condition; any sign of deterioration may require UW review or be declined. - Homes over 5 acres, farm animals, foreclosed properties, and PC‑10W locations all require UW approval and may need inspection or additional documentation. - Flat roofs are acceptable only if they comprise 20% or less of the total roof area; higher flat‑roof percentages likely require UW referral or may be ineligible depending on internal rules. - Insureds with personal bankruptcy or foreclosure in the past 5 years must be referred to UW for approval. DECLINED / TYPICALLY INELIGIBLE FEATURES (inferred from guide wording) - Roofs of any type that are not in good condition or show significant deterioration, leaks, or damage. - Roof materials and configurations outside the specified roof‑age grid or beyond maximum acceptable age are effectively treated as non‑preferred and may be declined if UW cannot support ACV or other restrictive terms. - Foreclosed properties without a full home inspection and specific UW sign‑off. - Trampolines without a proper 4‑foot perimeter fence enclosing the yard. GEOGRAPHIC NOTES - American Integrity is primarily focused on Florida residential property and notes specific marketing efforts and capacity in South Florida and the Tri‑county region; UW may be sensitive to catastrophe‑exposed coastal areas and capacity, but detailed county/ZIP blocks are controlled internally in the agent portal. - Company disclosures highlight expansion into Georgia, North Carolina, and South Carolina for residential products; specific out‑of‑Florida eligibility and risk selection criteria are managed through proprietary filings and not listed in the HO‑3/HO‑6 hint guide. SUBMISSION & INSPECTION REQUIREMENTS - For homes over 40 years old: - A 4‑point inspection is required showing that electrical, HVAC, and plumbing systems have been updated per guidelines and that the roof meets age/condition standards. - Full water damage coverage is conditioned on providing an acceptable 4‑point; agents must submit a change request with the inspection to add or broaden water coverage when eligible. - Roof‑age and wind mitigation documentation are important: - Agents are encouraged to use Don Meyler Inspections (preferred vendor) through the agent portal at reduced pricing, but inspections from other providers are acceptable. - Foreclosed properties: - Require full home inspection and explicit UW approval prior to binding. - Larger parcels (over 5 acres) and accounts with farm animals or non‑standard exposures must be referred to UW with complete risk details and photos/inspections as requested. BROKER / PRODUCER NOTES - Detailed appetite, eligibility, and marketing collateral are provided to appointed agents within the American Integrity agent portal; the public “Helpful Hint Guide” is a quick‑reference tool and defers to the full UW manual where conflicts arise. - Agents must: - Verify roof type and age carefully at quote and bind. - Order or obtain 4‑point and wind mitigation inspections when required by age of dwelling or roof, or when seeking full water damage and mitigation credits. - Submit change requests when adding full water coverage on older homes after a valid 4‑point inspection is obtained. - Trampolines are allowed but always subject to liability exclusion for trampoline use; agents should clearly disclose this to insureds. - When in doubt on older risks, unusual acreage, farm animals, foreclosures, or borderline roofs, agents are directed to contact UW for pre‑approval rather than bind and request exceptions afterward. BOAT / WATERCRAFT - Publicly accessible underwriting or appetite documentation specific to American Integrity boat/watercraft coverage was not located. Watercraft appetite, limits, and eligibility appear to be controlled inside producer resources and filings rather than on public pages. Assume Florida‑centric, personal‑use small‑craft focus unless internal guidance indicates otherwise.