The 5 best homeowners insurance companies in Florida are not ones that pay claims because all insurance companies hate paying claims. These companies will still fight paying claims to some degree, but usually they provide an easier experience to get paid. Their customer service is also a little better than other companies. Don’t get me wrong, in many cases we still have to find lawsuits against them but they usually don’t drag on lawsuits like other companies will i.e. Citizens and Universal as an example.
1. For the most part, they don’t have any water damage limitation or exclusions
2. Their adjusters are more responsive and helpful
3. They usually don’t deny claims just for the heck of it (Like Citizens, Universal, and People’s Trust)
4. They don’t force you into accepting a lower payment of your claim or use their “preferred contractor” (Citizens and People’s Trust)
5. They usually send you the check quickly once a settlement is reached (Universal takes 45 days or longer, Citizens takes forever, good luck with People’s Trust)
Now, these homeowners insurance companies are not perfect by no means, let me share some of their “bad”
II. State Farm has terrible language in their policy, where, if you fight to get more money, they will use their language of “you haven’t complied with conditions after a loss”
III. Progressive is NOT insuring anybody who has a roof older than 7 years old. Absolutely ridiculous!!!
IV. Homeowners Choice will make a payment but it’s usually very low and force you to fight them by way of mediation or a process called Appraisal. But they do end of paying. Also since Tapco is part of Homeowners Choice the same business practices are in place.
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