Why Carrier Matters for Your Claim
Not all Florida insurance carriers handle hurricane claims the same way. Dispute rates, denial patterns, and settlement timelines vary significantly by carrier. ClaimRestored's AI benchmarks your settlement against carrier-specific patterns in the FL DFS Civil Remedy Notice database — giving you a more accurate comparison than statewide averages alone.
Citizens Property Insurance
Florida's government-backed insurer of last resort. ~395,000 current policies. Assessment authority. Restrictive coverage limits. What Citizens policyholders need to know about claim disputes.
View Citizens guide →
Universal Property & Casualty
~800,000 customers across 19 states. ClaimRestored's founder's carrier for his Hurricane Milton claim: $23,266 offered. $792,621.62 recovered. 34x multiplier. Every dollar documented.
View Universal guide →
How We Analyze Carrier Performance
ClaimRestored's carrier intelligence is built on Florida Department of Financial Services (DFS) Civil Remedy Notice (CRN) records — public filings that document disputes between Florida homeowners and their carriers. Our database contains 100,412 CRN records spanning 2022–2025, covering 463 distinct carriers.
Key metrics we analyze by carrier:
- Dispute Rate Score (DRS): CRN filings per 1,000 policies — normalizes for carrier size.
- Suit rate: Percentage of disputes that escalate to litigation.
- Resolution patterns: How disputes typically resolve and at what stage.
- Storm-specific patterns: Whether dispute rates spike after specific hurricane events.
- Claim type patterns: Which damage types generate the most disputes for each carrier.
Run a Free AI Review for Any Carrier
Even if your carrier doesn't have a dedicated page yet, ClaimRestored's AI benchmarks your specific settlement against comparable claims in our database. The system works for any Florida carrier represented in the FL DFS CRN records.