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Jacksonville, FL – A Jacksonville homeowner, identified as Melissa Miller, is locked in a dispute with her insurance provider, KIN Insurance, over a claim stemming from damage sustained during Hurricane Idalia in August 2023. Miller reports significant delays and challenges in receiving a fair settlement for repairs to her home located in the Ortega neighborhood.
Miller, who has been navigating the claims process for over eight months, stated, “I’ve learned most from all this is you are yoru biggest advocate. You have to fight for yourself.” She employed both an attorney and a public adjuster to assist in her claim, highlighting the complexities faced by homeowners dealing with insurance companies post-disaster.
KIN Insurance acknowledged the ongoing situation in a statement to News4JAX. A company spokesperson said, “We have been and are continuing to work diligently with the customer, her attorney, and her public adjuster to reach an amicable resolution of their claim. Regretfully, we cannot comment on the details of an individual’s claim.”
Understanding Florida Homeowner Insurance Claims
Florida’s property insurance market has faced significant challenges in recent years, including increased litigation and rising reinsurance costs. Following a series of major hurricanes, including Idalia, many homeowners have experienced difficulties with their insurance claims. The Florida Department of Financial Services (DFS) has reported a surge in complaints related to claim delays,underpayment,and denials. According to the DFS, in 2023, they received over 34,000 complaints related to property insurance, a 40% increase from the previous year.
Resources for Consumers
Consumers facing similar issues with their insurance providers are encouraged to file complaints with the state Department of Financial Services. Complaints can be filed online at https://myfloridacfo.com/division/consumers/needourhelp.
News4JAX contacted the office of Florida Chief Financial Officer Blaise Ingoglia for comment. A spokesperson for CFO Ingoglia stated: “CFO Ingoglia is committed to holding insurance companies accountable to their policyholders. Should a consumer have an insurance concern or issue with their insurance company, adjuster or agent, regarding their home, auto, health or life insurance, Floridians can go online at any time to file their insurance concern at
