Florida Homeowner Denied Insurance After Too Many Claims

Homeowner's Insurance Crisis in Florida

• 🏠 Alexis Moore-Merritt, a Tampa homeowner, faced a non-renewal notice from her insurance company, American Integrity.
• ⚠️ The company cited her area, Sulfur Springs, as high-risk due to "catastrophic exposure management."
• 😥 As a stay-at-home wife, Alexis was deeply concerned about finding new coverage, fearing she wouldn't be able to secure a policy.

Denied Coverage and CLUE Reports

• 🚫 Alexis experienced repeated denials from multiple insurance companies, including Citizens Property Insurance, the insurer of last resort.
• ❓ The reason given was having "three to five claims," despite all of them being closed.
• 📊 Insurance companies use CLUE (Comprehensive Loss Underwriting Exchange) reports, which track past claims, to assess risk.
• 📈 Alexis filed five claims between September 2022 and October 2024, with some claims paid out and others not.

Understanding Insurance Claims

• 💡 An insurance agent explained that even claims for which no money was paid out can count against a homeowner.
• ⚠️ Filing claims for minor issues, especially water damage, can be detrimental, even if the claim amount is less than the deductible.
• 🛠️ The industry, as noted by an agent, doesn't always do a great job educating consumers about how filing claims impacts future insurability.

Finding a Solution

• 🤝 Alexis eventually found an agent who helped her secure new insurance coverage.
• 🗣️ She emphasizes the importance of asking the right questions and advocating for oneself in the insurance process.
• 📢 The story highlights a broader issue in Florida, with the reporter encouraging viewers with similar insurance problems to reach out.