The first person you should contact is your insurance agent. The name and phone number of your agent is listed at the top left corner of the Declarations Page of your policy. The agent should be able to answer any questions you may have. If you need help in determining who your agent is, please call 1-866-274-8765, for the ASI Service Center.

Much more than you think! ASI offers protection against loss of your Home or personal property caused by Fire and Lightning, Windstorm and Hail, Explosion, Riot and Civil Commotion, Aircraft, Vehicles, Smoke, Vandalism and Malicious Mischief, Theft On or Off Premises, Falling Objects, Weight of Ice or Snow, Structural Collapse, Accidental Overflow of Water from Plumbing, Accidental Electrical Cracking or Bursting of Hot Water Heating Units and Damage by Freezing Pipes.

Floods are the most common and costly natural disaster. They can happen anywhere, even in areas where floods have never occurred in recorded time. Heavy rains, a blocked creek, or inadequate drainage can lead to floods. And then you’re left with damaged walls and floor, drenched rugs and furniture, mud and debris that is not covered under your standard Homeowner or Condominium policy.

Your ASI homeowner’s policy does not cover damage as a result of flood or rising water. However, if you purchased flood coverage through the National Flood Insurance Program, your damages may be covered.

ASI is a very financially secure company. Refer to our Company and Financial information sections to review the financial condition of our company.

Call your insurance agent immediately to report a claim. If you are unable to locate your agent or policy information, call 1-866-ASI-LOSS, for Claims Customer Service. They will be able to assist you in finding your agent information. You may also use our online Claim Form by clicking here. Please make sure to have your Policy number and available telephone numbers on hand when you access this form.

Yes, it’s as easy as going to the Report a Claim page and competing the online Claim Form by clicking here. Please make sure to have your Policy number and available telephone numbers on hand when you access this form. In addition, we offer our 24-Hour Emergency Service available when you need us the most.

Under some circumstances, as permitted by state law, we might cancel or non-renew a policy. This may occur, as an example, if the insured has filed multiple claims in a certain time period. Your agent may also be able to give you a better idea of how your claim might affect your status as an ASI customer.

This is a hard question to answer without all the facts. Before knowing if a claim is covered, we must know some of the key facts: what coverages and limits you purchased, what caused the damage or loss and what property was damaged. Each loss is considered based on the unique facts of that loss. To help you better understand your ASI Homeowner Policy, we can suggest contacting your agent or take a few minutes to read the coverages you purchased through ASI.

As an ASI customer, you buy insurance to help protect you in case of a covered loss. Filing a claim could help protect you in case there are covered damages or injuries discovered later. Additionally, if you become involved in litigation because of a covered claim, your ASI homeowner insurance could help you by providing legal counsel. By hesitating to file a claim you may run the risk of jeopardizing your coverage.

All property insurance policies have a Deductible. This means that you must pay an amount equal to the amount of the Deductible. Generally speaking, the policy deductible runs from $500 to $5,000. However, in Florida and other Hurricane prone states, it is not unusual to see a Hurricane Deductible in the amount of 2% of your dwelling coverage limit. These deductibles reduce the cost of insurance and are indicated on the Declarations Page when they apply.

All property insurance policies have a Deductible. This means that you must pay an amount equal to the amount of the Deductible. The policy deductible runs from $500 to $5,000. However, in Florida and other Hurricane prone states, it is not unusual to see a Hurricane Deductible in the amount of 2% of your dwelling coverage limit. These deductibles reduce the cost of insurance and are indicated on the Declarations Page when they apply.

Under most Florida policies, you have two separate deductibles. One which applies to all covered losses and another deductible which applies to all hurricane related losses. One deductible is applied to each covered loss reported and not for the term of your policy.

There are numerous coverage options offered by ASI. Contact your agent to determine which coverage options are best for you.

Don't wait until a claim has already occurred! Inventory your household contents NOW! Make a list of major household items and possessions. If possible, write down serial numbers, date and cost of purchase and include a receipt if you can. Click here to download your Contents Inventory Form and begin the process.

The easiest way to inventory your home is to use a video camera or take still photos of your home and its contents. A video also enables you to record information about the item and the date and cost of purchase.

Whether you take photos or not, at least record a video or write a list on a paper. Make a copy and keep it in a safe, secure place such as a safe deposit box or a family member or friend's house. Then if something happens to your home, the inventory record will be safe.

Yes. The policy conditions state you must file a police report for theft.

Remember you are going to be in contact with an ASI claim representative throughout the claim handling process, so you'll have plenty of opportunity to provide additional information. What's most important is to report your claim as soon as possible even if you don't have all the information. The sooner you report your claim, the sooner we can start processing it. Remember you can contact your claim representative again if you find additional damage you hadn't noticed before.

Providing any of the following will help support your claim: receipts, owner manuals, warranty cards, appraisals, photographs or original manufacturer’s boxes. Additional information such as credit card receipts, cancelled check copies and bank statements may also be required.

A public adjuster or solicitor may contact you shortly after a loss seeking to assist you in making a claim against ASI. Public adjusters are independent claim adjusters and are not associated in any way with ASI. For their services, public adjusters will charge you a fee based on the total value of your settlement. These fees may be considerable and are not reimbursable under your ASI policy. As an ASI policy holder, you don't need to hire a public insurance adjuster to settle your insurance claim. An experienced ASI claim representative will assist you in preparing your claim for settlement.

If, after a natural disaster, the volume of claims reported at the one time is significant. We're likely to declare the losses a catastrophe. Here, we'll use specialized catastrophe adjusters and depending on the conditions, ASI will advertise on local radio stations or with the help through our Independent agent network and may place banners around the affected area with specific instructions for getting help with your claim. In most cases, our mobile response unit will be on hand to offer further help.

Yes, the Condominium HO6 Policy affords a basic $1,000 limit for covered losses. Please note: The date of loss is not the date of the incident, but the date of the assessment.

You and your neighbor both should contact your own Insurance Companies to file a claim.

No, most homeowner insurance policies only cover fallen trees which land on or strike a covered structure on your residence premises. We do not cover the cost of “leaning” or dead trees unless, as described above which fall onto a covered structure. If a tree on your residence premises falls onto your neighbor’s property, you should immediately advise them to report any damage to their own insurance agent or Homeowner Company. Please note: it is the responsibility of the property owner to maintain, correct hazards, and prevent damage from occurring to their home. If you have a tree that poses as a hazard, please arrange for it to be removed.

If your policy provides Additional Living Expense coverage and a direct physical loss occurs making your home uninhabitable; then your policy will pay for the reasonable increase in living expenses necessary to maintain your normal standard of living. Remember to keep all receipts for expenses incurred. Terms, conditions, and limits apply. Review your ASI homeowner policy for full details of this coverage. If you have additional questions, contact your Agent to discuss

If your agent switched your policy either from the FRPCJUA (Florida Residential Property Casualty Joint Underwriting Association) or another company, we send a letter along with the new policy to your mortgage company advising them of this change. However, a phone call from you to your mortgage company confirming which bill you wish for them to pay would help ensure the correct bill would be paid.

Claim payments may include the name of your mortgage company. If it does, be sure to ask your mortgage company about their procedure for endorsing your claim payment. If you have satisfied any outstanding mortgages or changed your mortgage company once held on your home during a policy period, please contact both your agent and ASI for an immediate policy update. Proof of your satisfaction of Mortgage is required.

Yes! We currently offer Homeowner coverage in several states – check with your ASI Independent Agent for details about other states where we may be open for new business.

If you receive a legal "Summons" or "Complaint," chances are you're being sued. You should call your ASI claim representative and immediately forward your paperwork as directed. By hesitating, you may run the risk of jeopardizing your coverage.

All too often, roof system problems are discovered after leaking or other serious damage occurs. Periodic (twice-a-year) inspections often can uncover cracked, warped or missing shingles, loose seams deteriorated flashings; excessive surface granules accumulating in the gutters or downspouts and other visible signs of roof system problems. Indoors, look for cracked paint, discolored plasterboard and peeling wallpaper as signs of damaged roof areas.

The kitchen is one of the most commonly used rooms in the home. The following tips will help you eliminate hazards in the kitchen: Turn pot handles away from the stove front, avoid throwing water onto or using a fire extinguisher on a grease fire and store knives in a special rack or compartment. Always remember to turn off running water when leaving the room. Twice-a-year check the hoses leading to your refrigerator, dishwasher and ice maker to avoid undiscovered pin-holes.

No, friction from rugs or carpeting can damage or overheat cords, which can cause a fire. Check power cords on a regular basis and replace if they are frayed.

Yes, you should inspect and maintain all areas on a regular basis. Repair cracks, holes and uneven surfaces before someone trips or falls. When necessary, be sure to keep all steps, sidewalks and driveways clear of debris, bikes, toys or leaves to avoid anyone tripping or falling on your property.